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Disability Insurance

    Disability Insurance Featured Articles

    • About Disability Insurance

      Disability is one of the oldest forms of health insurance. There are many types of disability insurance, but they all have one thing in common. They cover you if you're unable to work. Here is information about disability insurance. more »

    • About Pregnancy Disability Insurance

      Even an ideal pregnancy and birth can involve periods where a new mother is unable to work. And, unfortunately, sometimes there are complications than can make this period last even longer than usual. Until 1993, pregnant women were left to the mercy of their employers when it came to maternity leave, and often lost their jobs or... more »

    • Disability Insurance for Mental Illness

      According to the National Alliance on Mental Illness, 2.5 million Americans apply annually for disability benefits. Disability insurance for mental illness is set up to provide protection and assistance, just as there is coverage for a physical disability. more »

    • How Does Disability Insurance Protect the Subscriber?

      Many people understand the importance of insuring their home, their cars and other valuable possessions. However, most people do not realize the importance of insuring their income, as well, when it comes to protecting them and the people that they love in case they become disabled and are not able to work for a period of time. more »

    • How to Get Short Term Disability Insurance

      Short term disability is a type of insurance that will help cover your financial obligations, should you be out of work. The coverage will pay a percentage of your current wages, depending on the amount of coverage you purchase when you get a short term disability insurance plan. This type of coverage would help if you were unable to... more »

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    • Disability insurance

      Disability insurance, often called disability income insurance, is a form of insurance that insures the beneficiarys earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits."uslabor">

      Types of disability insurance
      National social insurance programs

      In most developed countries, the single most important form of disability insurance is that provided by the national government for all citizens. For example, the UKs version is part of the National Insurance; the U.S.s version is Social Security (SS)—specifically, several parts of SS including Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These programs provide a floor beneath all the other piecemeal forms of disability insurance in our societies. In other words, they are the safety net that catches everyone who was either (a) otherwise uninsured or (b) otherwise underinsured. As such, they are very large, very important programs, with many beneficiaries. The general theory of the benefit formula is that the benefit is not large but is enough to prevent abject poverty.

      Employer-supplied disability insurance

      Since one of the top reasons for becoming disabled is getting hurt on the job, it is not surprising that the second-most important form of disability insurance is that provided by employers to cover their employees. There are several subtypes that may or may not be separate parts of the benefits package: workers compensation and more general (but very basic) disability insurance policies.

      Workers compensation

      Workers compensation (also known by variations of that name, e.g., workmans comp, workmens comp, workers comp, compo) offers payments to employees who are (usually temporarily, rarely permanently) unable to work because of a job-related injury. However, workers compensation is in fact more than read more at » http://en.wikipedia.org/wiki/Disability+insurance

      http://en.wikipedia.org/wiki/Disability+insurance

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