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Disability Insurance

Disability insurance replaces incomes which individual lose if he has a long-term illness or injury and cannot work. This is an important type of coverage for working-age people to consider. Disability insurance does not cover the cost of rehabilitation if an individual is injured.

Some employers offer group disability insurance and this may be one of the benefits where individual work. Or the individual might be eligible for some government-sponsored programs that provide disability benefits. Many different kinds of individual policies are also available.


  1. I guess LTC policies become a necessity as we grow old, but the same can't said about disability insurance policies. Some of us don't carry the risk of getting injured neither at work nor at home.

    At times, we'd pay for disability insurance to protect us from severe illnesses that keep us from working. But in reality we should be looking for Critical illness insurance under such conditions.

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