Disability Insurance
Disability insurance is a type of insurance that provides a portion of your income if you become unable to work due to an illness or injury. It aims to protect your financial security by replacing a portion of your wages when you're unable to work
Short Term Disability
Short-term disability (STD) is an income replacement benefit that provides a percentage of pre-disability earnings on a weekly basis when employees are temporarily unable to work due to a non-work-related illness or injury. It typically covers a period of 3 to 6 months and is often offered by employers, but can also be purchased individually.
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Long Term Disability
Long-term disability (LTD) insurance is a type of insurance that provides income replacement if you become unable to work for an extended period due to a disability. It typically takes effect after a short-term disability (STD) benefits has been exhausted. LTD policies offer various benefit periods, ranging from a few years to even until retirement, and usually provide a percentage of your pre-disability income.
