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In general, disability insurance provides an income benefit if you can’t work because of an illness or injury. You may think this won’t happen to you, but, according to the Council for Disability Awareness, one in four 20-year-olds will become disabled before they retire. Back injuries, cancer, heart disease and other illnesses are responsible for the majority of long-term absences.
Long-term disability typically replaces 40%-60% of your salary for as long as you’re disabled or until you reach retirement age. A common waiting period before benefits begin is 90 days, but you have the option of choosing a shorter or longer time.
Some employers offer disability insurance as an employee benefit. If your employer doesn’t offer coverage (or the coverage is limited) or if you’re self-employed, buying long-term disability insurance is a smart move. Having your own policy also allows you to keep your coverage even if you change jobs.
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