This type seeks to close the income protection gap for people without employer coverage. It is also portable, meaning it's yours if you change jobs.
Short-term offers an immediate partial income payout when illness or injury keeps one from working. Employers and their employees may benefit.
This type offers added payouts for long-term injuries. It takes effect after your short-term coverage is no longer active. Employers and employees may benefit.
Long-term or individual policy holders can add this coverage to protect a larger portion of their income, commissions, or bonus payouts.
Employer plans typically pay up to 50% of your income. This might not be enough to meet your bills.
Those who become disabled often find they are unable to work and are saddled with unexpected medical costs.
A business that can function without you, should it need to, is a stronger business.