Get disability insurance

Consider disability insurance to provide financial protection in the event that you cannot work.

Disability insurance helps replace lost income if you’re unable to work. Here are some common situations that may cause short-term disability and, in some cases, long-term disability:

  • Muscle, back and joint disorders
  • Mental health issues (anxiety, depression)
  • Injuries (fractures, sprains, strains)
  • Cancer
  • Complications from pregnancy

What should you know?

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A short-term disability policy is typically designed to replace a certain percentage of your income for a short duration of time, or a lump sum.

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Long-term disability usually begins after you’ve been out of work for an extended period. It will usually pay an income or lump sum.

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Don’t assume that government and employer coverage is sufficient. Without insurance you may have to rely on your savings if you become disabled.

 

 

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Learn more

How to protect your most important asset with disability insurance

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