Disability insurance provides financial support if illness or injury prevents you from earning your regular income.
Disability insurance provides a portion of your income if you become unable to work due to an illness or injury. It ensures you can continue covering living expenses, bills, and financial obligations while you recover, giving you peace of mind and income protection.
Disability insurance works by replacing a portion of your income if you cannot work due to illness or injury. Here’s how it generally works:
| Pros | Cons |
|---|---|
| Income protection — Replaces part of your salary if you can’t work. | Premium cost — Can be expensive depending on coverage and occupation. |
| Peace of mind — Helps maintain lifestyle and pay bills during disability. | Waiting period — Benefits start after an elimination period. |
| Customizable coverage — Choose benefit amount, length, and waiting period. | Limited coverage — Some conditions may not be covered or have exclusions. |
| Short-term or long-term options — Policies available to match your needs. | Not permanent — Only pays while you are disabled within the policy term. |
The right amount of disability insurance depends on your income, expenses, and financial obligations. Consider:
Many advisors recommend coverage that replaces 60–70% of your income to maintain your standard of living during a disability.
Disability insurance costs depend on your age, health, occupation, income, and policy type (short-term vs long-term). Premiums are generally higher for high-risk occupations or higher benefit amounts.
Disability insurance provides a financial safety net, ensuring you and your family maintain stability during periods when you cannot work.
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