You never expect to be in a position where you can’t work, but something as simple as a back injury or maternity leave could mean time off of work without pay. Fortunately, depending on your plan, you could receive benefits up to 50-70% of your salary through Disability Insurance.
|Short Term||Long Term||Individual|
|Length of possible coverage payments||9–52 weeks||Benefits paid until retirement age||Benefits paid until retirement age|
|Amount that your benefit can pay||Up to 60% of your monthly income||Up to 60% of your monthly income||A higher percentage of your pre-disability earnings|
|Portability||Sometimes portable, depending on plan||Portable in most cases||Fully portable|
|Most commonly used by people who experience||