Disability Insurance

Disability insurance provides coverage to those who become unable to work, either temporarily or permanently, as a result of becoming disabled. Two major types of protection for disability exist: private insurance and insurance through the Social Security Administration, known as SSDI benefits. To qualify for SSDI benefits, you must have a covered disability that is either listed in the Blue Book of impairments or that is medically equivalent in severity to one of those disabilities that is listed. The condition must also be expected to last for 12 or more months. For those seeking protection from a disabling short-term illness or injury, private disability insurance will generally be the best option; although some states, such as California, do provide additional protection to those who become unable to work in the short term. To learn more about disability insurance and the types of coverage and benefits that are available, refer to the articles below.