Bilingual Services: Se Habla Español
Disability Insurance helps protect your paycheck if you can’t work due to sickness or injury. It gives you a steady income so you can continue paying bills and taking care of your family while you recover.
Short-term disability coverage typically:
Provides benefits for a limited period (often up to 3–6 months)
Replaces a portion of your income (commonly around 50–70%)
Has shorter waiting periods before benefits begin (often 0–14 days, depending on the policy)
Long-term disability coverage typically:
Provides benefits for extended periods (such as several years or up to retirement age, depending on the policy)
Replaces a portion of income (commonly around 50–60%)
Has longer waiting periods (often 30–180 days)
Actual benefit amounts, waiting periods, and durations vary by policy.
