Disability

Disability Insurance

The possibility of missing months or years of work because you have sustained an injury or have become ill may seem remote, especially if you’re healthy, young and primarily work inside an office. But according to the Social Security Administration, more than one in four 20-year-olds will experience some type of disability that lasts for 90 days or longer before they reach the age of 67. Plus, the SSA reports that over 68% of non-government workers have no disability insurance at all.

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Self-Employed and Workers of Small Firms Need Disability  

You may think it’s never going to happen to you, but there is always a chance that it will. Disability Insurance policies pay part of your income, if you are unable to work because of injury or illness. When you work for a larger company, they may cover some or all of the cost of Disability Insurance. Those who are self-employed, or work for smaller, privately owned organizations usually need to seek out information on such policies for themselves.


Unlike when you receive Disability Insurance from your employer, purchasing your own personal policy enables you to keep the coverage when you change jobs and avoid paying taxes on the benefits you receive.

Valiant Insurance, Auto Insurance, Boat Insurance, Commercial Insurance, Disability Insurance, Financial Services, Home Insurance
Valiant Insurance, Auto Insurance, Boat Insurance, Commercial Insurance, Disability Insurance, Financial Services, Home Insurance

Short-Term and Long-Term Disability Insurance

Disability Insurance policies basically fall into one of two categories:


Short-Term Disability Insurance - These policies offer a worker a portion (usually 60 to 70%) of their base salary if they are unable to work for a short period, which is typically three to six months, but can sometimes be extended to a year.

Long-Term Disability Insurance – These policies offer a worker a portion of their salary (usually 40 to 60%) if they are unable to work for a longer period, typically a period of more than six months. With Long-Term Disability Insurance, benefits end when the disability ends. If the disability continues, benefits end after a certain number of years or at retirement age.

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