* Disability Insurance
Short-term disability is private insurance that replaces some of your income if an injury or illness prevents you from working. While you are away from work, it pays you a certain percentage of your income for a set period of time. Some employers provide group policies as part of their benefits packages. If your employer does not offer short-term disability, or you want additional coverage, you can buy an individual policy from an insurance agent.
View the Guide to Disability Income Insurance.
State temporary disability insurance (TDI) programs are currently available in six states/territories:
For a longer illness, lasting six months or more, your employer may provide group long-term disability (LTD) insurance.
The Social Security Administration (SSA) also administers two programs that provide benefits to people with disabilities. You may wish to view information about Social Security disability benefits.
If you were injured on the job, you should contact your state workers' compensation board.
Need More Information? Try These Additional Resources:
- Disability.gov: Disability Benefits
- USA.gov: Life and Disability Insurance
- Internal Revenue Service (IRS): Life Insurance and Disability Insurance Proceeds
- Social Security Administration (SSA)
The short link for this FAQ is http://1.usa.gov/qKjslk
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