Title: What Is Disability Insurance and Do You Need It? | RamseySolutions.com
Headings: What Is Disability Insurance and Do You Need It?
Insurance
What Is Disability Insurance and Do You Need It?
What Is Disability Insurance?
Why You Need Disability Insurance
What Are the Types of Disability Insurance?
Long-Term Disability Insurance
Short-Term Disability Insurance
How Much Does Disability Insurance Cost?
Who Needs Disability Insurance?
What Isn’t Covered by Disability Insurance?
How to Get Disability Insurance
Do You Have the Right Coverage?

Content: What would an income loss mean for you? It would probably be stressful, frustrating, and even a little scary. The good news is, you can patch up this hole in your financial safety net with long-term disability insurance. What Is Disability Insurance? In general, disability insurance covers some of your income if something happens to you (like an illness or injury) and you can’t work. The younger and healthier you are, the easier it is to qualify for a policy. But as you age, premiums increase. And if your health goes south, you may find it hard to qualify for an affordable policy at all. But disability insurance doesn’t just cover freak accidents. Most claims are for things you may not realize are considered disabilities, like physical injuries, a heart attack, or cancer.