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Disability
Will my employer provide disability coverage? PDF Print E-mail

Most employers offer some kind of disability insurance, but you should find out exactly what your employer offers before you have to file a claim.

Most allow some short-term sick leave, which might last from a few days to as much as six months. In some states, such as
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What are the types of disability insurance? PDF Print E-mail
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):
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How can I save money? PDF Print E-mail

There are two ways to keep the cost of disability insurance down:

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How can I insure against loss of income? PDF Print E-mail
If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?

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How are disability premiums determined? PDF Print E-mail
Disability premiums are based on your age, sex, occupation and the amount of potential lost income you are trying to protect.
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Are You Prepared?

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