How much do you need your income? Most people go to work each morning for a reason. They have a lifestyle to support, and bills to pay. Many people live check-to-check and have little money in savings.

If you are unable to continue paying your bills without an income, then you may need to purchase disability insurance.


Long-term disability insurance policies often contain elimination periods of three months or longer. Benefit payments last up to age sixty-five if continually disabled.

Most women taking leave from work to recover from a normal childbirth require six to eight weeks. Policies with shorter elimination periods provide a much better fit.


Adoption leave is a covered reason under the Family Medical Leave Act. Both parents can take twelve months of unpaid, job-protected leave to bond with an adopted child.

Many women enjoy paid leave benefits using short-term disability insurance when delivering their biological child. Adoptive mothers are not disabled, but birth mothers are.


Many valid medical conditions might trigger a claims payment for any disability insurance policy. Rather than publish an exhaustive list of every conceivable covered condition, each policy will provide a list of exclusions.

The exclusions fall into several broad categories such as preexisting conditions, and injuries that occur while engaged in listed activities.


When collecting disability benefits it is common for people to become concerned about their future income. Once they are able to resume working, they want to know they still have a job.

Disability insurance does not provide job protection. Several state and federal laws protect workers’ rights while away from work.


Many government programs overlap or get confused with private insurance programs. Paid family leave is a government entitlement available in three states. Each of these states also has a mandated short-term disability program.

In the majority of cases, short-term disability is the only form of paid family leave. However, it applies only to the person with a medical condition.


When employees make their annual benefit election decisions, they must make choose between pretax and post-tax payroll deductions. Pretax elections save money on the premium payments. Post-tax elections provide a tax-free benefit.

Post-tax elections are the best alternative for paying for short term disability insurance when you plan to utilize the benefit.


Social Security Disability offices across the United States refer many people to our website.

The majority of accidents and illnesses cause temporary disabilities, and are not covered by the government safety net. Social Security Disability covers only permanent disability, and they refer applicants here for help in applying for state disability benefits. However, only five states have programs covering temporary conditions.


The length of benefit period is often a primary concern of certain groups of workers. Many need income replacement immediately. Others invested heavily in their education and occupation, and need income replacement that continues on to age 65.

Long-term disability insurance works for people in the latter category. It is not designed for temporary medical conditions such as pregnancy.