Disability insurance replaces part of your income if an illness or injury keeps you from working. It helps you keep paying the mortgage, the bills and everyday expenses while you recover.
Southend Insurance can help you compare short-term and long-term options, including coverage for self-employed people and business owners who don't have a plan through an employer.
What disability insurance can cover
- Short-term disability
- Long-term disability
- Coverage for the self-employed
- Extra coverage alongside an employer plan
- Own-occupation options
- Business overhead expense coverage
Good to know: Policies differ in how long you wait before benefits start and how long benefits last. A longer waiting period usually lowers the premium.
Disability Insurance FAQs
How much of my income does it replace?
Most policies replace a portion of your income, not all of it. The amount depends on the policy and what you earn.
What is the difference between short-term and long-term?
Short-term coverage pays for a limited period, often a few months. Long-term coverage can pay for years, and in some policies until retirement age.
I'm self-employed. Can I get coverage?
Yes. Individual policies are available for self-employed people and business owners, usually based on your documented income.