Keep me logged in until I sign out. Disability Insurance Disability Insurance Disability insurance is insurance that picks up where sick pay leaves off.
Many experts maintain that disability insurance is more important than life insurance.
Like life insurance, disability insurance policies offer many different types of benefits. It would be difficult to address all the important issues concerning disability insurance here, but there are certain points of which you should be aware. In New York, New Jersey, Puerto Rico and Rhode Island, workers are covered by disability insurance through their employers, who are required by law to provide temporary coverage. The period of disability covered by your employer's policy, however, may be as short as a month or two. Social Security also provides long-term disability coverage.