Title: The Benefits of Disability Insurance - State Farm®
Headings: The benefits of disability insurance
The benefits of disability insurance
Learn how disability insurance helps protect against the unexpected.
Here are the different disability insurance policies and options:
These insurance policies can take the form of a variety of products to help you plan for the unexpected.
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Content: The Benefits of Disability Insurance - State Farm®
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The Benefits Of Disability Insurance
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The benefits of disability insurance
Learn how disability insurance helps protect against the unexpected. If you have an accident or injury, your health insurance typically helps cover the medical bills. But what if your injury results in a total disability that prevents you from working and you need help paying the mortgage, childcare costs and other daily living expenses? Or, what happens if you get a disabling illness that results in you not being able to work? That's where disability insurance comes in. In contrast to Social Security disability coverage, which has eligibility requirements and a rigorous application process, disability insurance is available to anyone and helps prepare for life’s what-ifs. Here are the different disability insurance policies and options: Short-term disability has a one or three year benefit period and can replace a portion of your monthly income up to a maximum of $3000, based upon your income. Long-term disability has a five year up to age 67 benefit period and can replace a portion of your monthly income up to a maximum of $20,000, based upon your occupation and income. As part of this policy, you may want to consider optional riders: