Disability Insurance
Exceptional coverage for your income and lifestyle
Protecting your ability to earn a living is essential. Disability coverage ensures your financial stability by providing income protection during times when illness or injury prevent you from working.
What is disability insurance?
Disability coverage acts as a safeguard, offering financial relief if you cannot work due to injury or illness. By replacing a portion of your income, it provides the stability needed to maintain your lifestyle while you focus on your recovery.
Types of coverage
Disability insurance offers a range of options to protect your income. Though coverages are specific to your individual policy, disability coverage can offer financial protection for:
- Chronic illnesses
- Mental health
- Physical injuries
Coverage that helps you stay resilient.
Illness or injury shouldn’t disrupt your financial future. Disability insurance bridges the gap when you’re unable to work, helping you maintain stability and peace of mind until you’re ready to return.
Frequently asked questions
Find answers to common questions about disability insurance.
Should I consider an individual policy if I have employer-provided disability coverage?
It depends on the coverage offered through your employer-sponsored disability plan. Our advisors can review your policy and identify any gaps in coverage to ensure you are fully protected.
What types of disability insurance are available?
We offer both short-term and long-term disability insurance coverage. Short-term disability coverage typically provides benefits for up to six months while you’re sick or injured, and long-term disability coverage generally starts when the following benefits end:
- Short-term disability insurance
- Sick leave from your employer
- Employment insurance benefits
Can I qualify for disability insurance with a pre-existing condition?
Yes, you can still get disability insurance if you have a pre-existing condition, but it may impact your coverage and premiums. A Gifford Carr advisor will review your health information and create a policy that offers both protection and peace of mind.
Have more questions?
Contact us for more information.
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