If you get severely ill or get injured that refrains you from going back to work as you are unable to walk or work in that position then surely disability insurance is for you and it will benefit you by giving you a portion of the income until you can get back to work and your expenses don’t stop you from your disability also the insurance comes with a different procedure like long term disability denied that you need to go through and sometimes the disability insurance denial comes through that you need to face and get pass through that.
The first type is the short-term disability insurance
This type is like the long-term disability insurance as you will get the 60% of your income but the difference here is you only get this insurance for 6 months to 1 year also this is offered by the employer and usually, all the companies come in the benefit. Another thing about short-term disability is you don’t get the disability insurance denial because the requirements are simple plus you can even use this insurance during the elimination period until you get your long-term disability insurance active.
Another main type is the long-term disability insurance for you
This type can last up to 2,5, 10, or even after the retirement that’s why the waiting period is longer because the requirements are not simple and many people can easily get the disability insurance denial so make sure to avoid any mistakes for this type plus this type also has another two types and one of them is the any-occupation disability insurance and this can get active if you are unable to work any job also this one is harder to prove and usually the approval takes time for people.