disability coverage
Income protection policy
Disability coverage is insurance that replaces a portion of income if illness or injury prevents you from working.
Policies vary in what qualifies as disability—some pay only if you can't perform any job, others if you can't perform your specific occupation.
Her employer provides short-term disability coverage, but she bought a separate long-term policy.
- rehabilitation servicesTreatment restoring physical or mental function
- income replacementFunds covering lost earnings
- medical evaluationsProfessional health assessments
- reasonable accommodationsAdjustments for disabled workers
- mental health supportAid for emotional wellness
premium payments · tax implications · flexible work arrangements · waiting period · occupational therapy · physical therapy · return to work · physical therapy
disability coveragelife insurance
Contract paying upon death
health insurance · property insurance · workers' compensation · unemployment insurance · liability insurance
disability coverageuninsured
Lacking protective coverage
unprotected · coverage gap · self-insured · financial exposure
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