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Disability Plans

Becoming disabled through an injury or sickness can mean a significant loss of income. Disability insurance is a form of monetary insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

Short Term Disability
Short Term Disability (STD) is private insurance that replaces some of your income if an injury or illness prevents you from working.

While you are away from work, it pays you a certain percentage of your income for a set period of time. Some employers provide group STD policies as part of their benefits packages. If your employer doesn't offer STD, or you want additional coverage, you can buy an individual policy from an insurance agent.

Every STD policy has different features. Your insurance agent is usually the best source of information about your specific plan.

Long Term Disability
Long Term Disability (LTD) insurance protects people who can’t work because of a disability. If you have LTD insurance, it will replace some of the income you lose when you can’t work because of a disability.

Some people have LTD insurance from their employers. Others purchase it individually. For both types of policies, your medical history is important.

Each LTD policy will have different details about signing up for a plan and the benefit you will receive.

If you have LTD insurance and you are injured, contact your human resources manager or insurance agent as soon as possible. This early contact will make sure that you get help replacing some of your income as soon as possible.

If you would like more information about disability insurance, please click here.

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