Disability Insurance

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Disability Insurance Information

What are the types of disability insurance?

There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

Short-Term Disability policies (STD)

01

Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

Long-Term Disability policies (LTD)

02

Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.
Disability policies have two different protection features that are important to understand.
If you’re considering disability insurance options, we’re here to answer your questions and provide guidance. As an independent agency, we’re committed to helping you compare multiple options to find your best choice. Call our agent at (800) 829-5270 or click here to request a quote.

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