Health
Individual Disability
Protect your paycheck — your most valuable asset.
Short- and long-term disability insurance replaces a portion of your income if illness or injury keeps you from working. The coverage most working adults need but never think about.
Why it matters
- Income replacement up to 60–70%
- Short- and long-term options
- Own-occupation definitions available
- Tax-free benefits (when you pay premiums)
Typically included
- · Illness
- · Injury
- · Maternity (varies)
- · Partial disability (varies)
Usually not included
- · Self-inflicted injuries
- · Acts of war
FAQ
Questions we hear about Individual Disability.
Do I need it if I have workers' comp?+
Yes — workers' comp only covers on-the-job injuries. Disability covers anything that keeps you from working.
Own-occupation vs any-occupation?+
Own-occ pays if you can't do your specific job; any-occ pays only if you can't do any job. Own-occ is the gold standard.
Get a Individual Disability quote today.
Two-minute form. Same-day response from a real local agent.