Title: Learn what disability covers, how much it costs and why you need it
Headings: Disability insurance: Learn why you need it
Disability insurance: Learn why you need it
What does disability insurance cover?
Types of disability insurance
Who needs disability insurance?
How much does disability insurance cost?
Do I need more coverage if I have disability insurance through my job?
Do I need an individual policy if I can get coverage through Social Security?
How much disability insurance do I need?
When does my disability insurance start?
Disability insurance terms to know
Is disability insurance right for me?

Content: You might only get reimbursed a limited amount. You'll want to check about income caps and reimbursement limits on your plans when get disabilty insurance quotes from companies. If you're a higher earner, you might exceed the cap. It's a smart idea to explore supplemental disability insurance to help provide extra funding if you become disabled. A benefit of individual disability insurance is you take it with you when you leave your job. That's not the case with employer-based plans. Group plans, including ones through professional organizations, are usually cheaper than individual policies. That’s because you're buying a policy with a group of other people. Also, you won't get denied for group coverage. That's unlike individual coverage.