Disability insurance replaces some of your income if an injury or illness prevents you from working. Disability insurance is important because it can ease the financial burden on a household when someone has a serious illness or injury. The main difference between disability insurance and workers’ compensation insurance is with disability insurance, the injury or illness does not need to be work-related.
Short-Term Disability (STD) pays you a portion of your income for a short period of time after you run out of sick leave. STD plans typically pay all or a portion of your wages for a period of nine weeks to one year. DFA Insurance works with a number of carriers to provide short-term disability and will find the right plan for you.
There are a number of other ancillary products and programs available through DFA Insurance, including:
- Hospital confinement indemnity
- Cancer/specified disease
- Critical illness
Contact us for more information on these programs.