Call Us 509-839-9000 ☰ ˟
Logo
Our Carriers
Our Carriers Call Us: 509-839-9000
  • Home
  • Get a Quote
    • DentalImage of right arrow
      • Dental Insurance Home
      • Dental Insurance Quote
    • Group BenefitsImage of right arrow
      • Group Benefits Insurance Home
      • Group Quote Form
    • HealthImage of right arrow
      • Health Insurance Home
      • Health Insurance Quote
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
    • Homeowners
    • Long-Term Care InsuranceImage of right arrow
      • Long-Term Care Insurance Insurance Home
      • Long-Term Care Quote Form
    • MedicareImage of right arrow
      • Medicare Insurance Home
      • Medicare Request Form
    • OtherImage of right arrow
      • Other Insurance Home
      • Critical Illness Quote Form
      • Alternative Health Sharing Quote Form
      • Individual & Family Health Quote Form
      • Accident Quote Form
    • SupplementalImage of right arrow
      • Supplemental Insurance Home
      • Supplemental Quote Form
    • VisionImage of right arrow
      • Vision Insurance Home
      • Vision Insurance Quote
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Location Map
    • Privacy Policy
  • Contact Us
Medicare Icon

Medicare

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Individual & Family Icon

Individual & Family

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Group Icon

Group

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Supplmental Icon

Supplmental

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Dental Icon

Dental

We browse through a wide variety of coverages and find the right one for you.

Get a Quote
Home > Blog > What Does Disability Insurance Cover?
FRIDAY, FEBRUARY 24, 2023

What Does Disability Insurance Cover?

When an employee can no longer work due to an illness or injury, disability benefits may deliver valuable financial assistance. In addition to offering partial income replacement, disability insurance may help provide coverage for numerous medical and rehabilitation costs during recovery. Some policies offer coverage for retraining if the covered person’s injuries prevent them from returning to their previous job, but they could potentially move to a different position.  

While long-term disability insurance coverage is not required by law, many employers choose to include it as part of their benefits package. Other components may also include health insurance, retirement savings plans, workers’ compensation insurance, life insurance and more.  

Disability insurance may cover numerous injuries and illnesses if the covered person cannot perform their regular work duties for an extended period. Depending on the insurer, a policy may provide coverage for temporary and permanent disabilities, mental illness and pregnancy-related complications.a person standing in a kitchen   

How Does Disability Insurance Work? 

After the insurer approves a disability claim, the policyholder can use the income replacement for any reason, including medical bills and everyday expenses.  

Disability insurance coverage helps pay a portion of the covered employee’s income. Benefits are only paid if the insured person becomes disabled while the policy is in force. There are two main types of disability coverage: 

 

  • Short-term disability (STD) may help replace income for a limited time, such as three to six months. This coverage typically has a 10-day waiting period.
  • Long-term disability (LTD) may help provide income replacement for a longer period, usually stated in years, depending on the policy’s terms. This coverage typically has a waiting period of three to six months.

LTD is designed to pick up where STD leaves off to help provide uninterrupted partial income replacement for the covered person.  

How to Get Disability Insurance 

Adding disability coverage to your company’s benefits package can help add value to your employees’ total compensation. Contact Vanmar Insurance in Yakima, Washington, to get a personalized quote for disability insurance.  

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 
Posted 4:11 PM

Tags: disability, insurance, coverage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023

  • coverage(2)
  • insurance(2)
  • costs(1)
  • planning(1)
  • disability(1)
  • health(1)
  • medicare(1)

View Mobile Version

Contact Us Today!
509-839-9000

Social Social

Resources

  • Our Products
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

15 N Naches Ave, #15 | Yakima, Washington 98901
P: 509-839-9000 | Fx: 509-225-9998 | vanmarinsurance@yahoo.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder