Disability Insurance FAQs

Do I need disability insurance if I have Workers Comp?

Yes, Workers Comp covers on the job injuries. Disability insurance pays when you get hurt off the job or have a illness that prevents you from working.

Whats the difference between short term and long term disability insurance?

Short term usually starts very quickly and pays for 3-6 months.

Long term picks up after 90-180 days and will pay for 12-60 months, or even longer.

What is a elimination period?

The number of days you are out of work before benefits begin to pay, typically 7 to 14 days.

What is a benefit period?

How long the plan pays benefits.

Can I get Social Security Benefits if I can’t work?

If you are deemed permanently disabled, you may qualify for Social Security Disability benefits. Know that the application process can take several months.

Where can I get disability insurance?

Disability insurance is offered through your employer group or private plans are available. We're happy to talk through your options.