Disability Income is another aspect of someone’s financial planning. How will they take care of their obligations in case they loose their ability to perform.

Disability Income provides certain portion of a person’s income (generally 40-60%), if they loose their ability to perform any work or work suited to their skill level.

Generally Disability Income Insurance is of 2 types:
STD – Short Term Disability – generally provide disability income up to 2 years (after the waiting period)
LTD – Long Term Disability – generally provides disability income up to age 65/67/70 (after the waiting period)

Please let us know if you would like to offer this benefit to your employees.

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