What is Individual Disability Insurance?
Individual disability insurance pays you a portion of your income if you become unable to work due to illness or injury—providing financial stability until you recover or reach retirement age.
Covered Risks:
Illness or Injury
Short- or Long-Term Disability
Accident Coverage
Partial Disability
Own-Occupation Protection
Rehabilitation Support
FAQ
Who should consider individual disability insurance?
Anyone who depends on their income to pay bills or support family—especially self-employed professionals and those without employer-provided coverage.
How much of my income is replaced?
Most policies replace 50–70% of your pre-disability income, up to a set monthly maximum.
What’s the difference between short-term and long-term coverage?
Short-term covers you for weeks to months; long-term can pay benefits for years, even to retirement age, depending on your policy.
Is coverage “own occupation” or “any occupation”?
Own-occupation pays if you can’t do your specific job. Any-occupation pays only if you can’t work in any suitable job—check your policy type before enrolling.