Disability Insurance replaces income you lose if you have a long-term illness or injury and cannot work. This is an important type of coverage for working-age people to consider. Disability Insurance does not cover the cost of rehabilitation if you are injured. Check your major medical insurance to see if it is covered there.

Some employers offer Group Disability Insurance and this may be one of the benefits where you work. Or you might be eligible for some government-sponsored programs that provide disability benefits. Many different kinds of individual policies are available. See also our Disability Insurance Glossary.

Click for a free Disability Insurance Quote.

Each of the following Disability Insurance sections will help you make the most informed decision possible when planning your personal finances. We explain the various types of Disability Insurance available, and provide you with financial calculators to determine how much protection is right for you, informative articles, government links and other helpful resources.

Determine How Much Disability Insurance You Need:
Income Replacement Calculator

Insurance Articles:
A New Form Of Insurance

Government Resources:
State Departments of Insurance Regulators
US Government Healthcare Resources Disability

More Insurance 101:
Annuities 101
Health Insurance 101
Life Insurance 101
Long Term Care 101

Locating An Agent

For specific answers to your personal finance questions, we recommend that you contact a local agent in your area. Licensed professionals have the expertise to advise you and can tailor the best solutions to your individual needs.