Disability Insurance Explained: A Must-Have for Every Worker
Disability Insurance Explained: A Must-Have for Every Worker Most people insure their car, phone, and even their pets — but not their income. What happens if you can't work for weeks or months? Disability insurance protects your most valuable asset: your ability to earn. 🛡️ What Is Disability Insurance? It provides income replacement when you're unable to work due to illness or injury. It's not just for dangerous jobs — accidents can happen to anyone, anywhere. 💼 Types of Disability Insurance Type Coverage Duration Best For Short-Term 3–6 months Illness recovery, maternity leave Long-Term Years to retirement Major injury, chronic illness Group Plans Employer-based Affordable, but limited Individual Plans Bought privately Customizable, portable 🔍 What’s Typically Covered? Cancer or major illness Accidents (car, sports, falls) Mental health conditions Pregnancy-related leave Back/neck injury Recovery per...