What is Disability Insurance?

Disability insurance provides income replacement when you're unable to work due to illness, injury, or pregnancy. This coverage comes in two main forms: short-term disability (STD) typically covering 3-6 months, and long-term disability (LTD) that can extend for years or until retirement age. Benefits usually replace 50-70% of your pre-disability income and may be provided through employers, purchased individually, or obtained through government programs like Social Security Disability Insurance.

Why disability insurance matters

• Protects income: Ensures financial stability when medical conditions prevent you from working
• Covers living expenses: Helps pay for housing, food, and other necessities during disability periods
• Provides peace of mind: Reduces financial stress while focusing on recovery and rehabilitation

How Solace can help

A Solace advocate can help you understand disability insurance options, navigate the claims process, and gather necessary medical documentation. Advocates can also assist with appeals if claims are denied and coordinate benefits between multiple disability policies.

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