Disability Insurance

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An insurance plan that pays some of a person’s income when he or she is disabled from an illness or injury and cannot work.

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Long Term Disability vs Short Term Disability

The two main types of disability insurance are short-term disability (STD) and long-term disability (LTD) and no increase in your premiums, even if your health changes.

Long-term disability insurance is coverage intended to protect your income if you are unable to work due to illness or injury. While short-term disability insurance usually lasts a maximum of two years, long-term coverage can often last five or 10 years, if not all the way through to your retirement.


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