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Disability income protection allows you to recieve payments while you are unable to work due to illness or injury. This ensures you maintain your current standard of living until you are able to return to work.

Only 43% of large companies provide group long term disability insurance. Your chances are even less likely to get long term disability insurance if you work for a small company. If your employer does not provide disability insurance, then you may want to consider an individual disability policy.

Typical Coverage

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 3 to 6 months, and continues benefits for several years or until retirement age, depending on the policy.

Individual Supplement Plan

You may need a personal disability insurance policy to supplement an employer group plan. Be sure to check the group provisions carefully: How long does the group disability insurance coverage last? How much is the benefit? Does the disability insurance policy cover bonus and commission income? Will the coverage continue if you leave that employer?