There are two main types of disability insurance:
Short-term disability insurance—This may provide income replacement benefits for a relatively short period that you may be unable to work. Typically, short-term disability insurance has a waiting period of zero to 14 days and a maximum benefit period of two years.
Long-term disability insurance—This may provide income replacement benefits for an extended period that you may be unable to work. Waiting periods typically range from several weeks to several months, while maximum benefit periods generally range from a few years to the rest of the insured’s life.
Contact our agents to discuss additional details regarding the coverage these two types of disability insurance provide.