Disability insurance can provide you with financial security by replacing a portion of your earnings if an accident or illness causes you to become unable to work or earn an income.
Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified time if you:
▪ temporarily can’t work
▪ are permanently disabled due to an injury or illness
The definition of a disability can vary between different insurance plans. Please see “Definition of disability” for details.
Premiums are highly associated with the occupation type of the insured person. Policies can be issued to individuals under age 65.