MAIN Your Money Insurance Disability Insurance

On the job, you may be covered for short-term disability due to illness, injury or family medical or maternity leave,

In the US, there are only a few states where short-term disability insurance is guaranteed - that includes California, Hawaii, New Jersey, New York and Rhode Island. As a general rule, however, benefits and the type of illnesses covered will always vary from state to state.

Long-term disability insurance usually kicks in after short-term disability coverage ends - typically after six months. But what if you're not covered for long-term disability? You may be eligible for Social Security disability benefits, or else covered under workers compensation or a pension plan.

As the name implies, long-term disability insurance is always preferable, since it provides extra protection with replacement income in the event that you can no longer work for months, or even years.

Currently, the odds of suffering a long-term disability before retirement are 1 in 8. Due to the unpredictability of becoming disabled, many people consider purchasing a long-term disability insurance policy -- not only for their family's financial security, but for their own peace of mind.

On the Web, find out more about short-term and long-term disability insurance at top sites providing consumer guides, free advice, related forums, and tips for securing your salary in the event you can no longer work ...

also see in Home Legal Guide -> Disability & the law

More about disability insurance around the Web:

About Disability Insurance - A good beginner's guide to complete definition of terms of various policies and what they cover, plus related articles, links, resources, and check out a very busy disability insurance forum.

Disability Insurance Law - Free legal advice covering types of disability insurance, resolving claims, advice for small business owners, facts on Social Security disability benefits and more.

Disability Insurance Information - FAQ with answers to types of insurance, purchasing a policy, cost of premiums, cost-saving tips, related resources.

Disability Insurance - Excellent consumer guide from MetLife including how disability is determined, when benefits are awarded, making claims and more, with related links to more information.

Long Term Disability Income Insurance - U.S. government fact sheet explaining the features and costs of individual disability income insurance, with tips and related checklist.

Health Insurance Tips - Why You Need Disability Insurance - A discussion on the statistical odds of becoming disabled, as well as what may be covered through Social Security, workers compensation and pension plans.

Social Security Online - Disability Programs - A comprehensive guide from socialsecurity.gov outlining benefits, the decision process, how to file, benefits for children with disabilities and more.