Disability insurance is designed to provide people with income replacement in the event of illness or injuries. This type of coverage can take on a few different forms. It can be included in a company’s benefits package or be purchased by an individual independently. The two main forms of disability are short-term and long-term. In most cases, short-term policies will replace a greater percentage of income for a set period of time. It is possible to obtain short-term policies that cover 100 percent of income in the event of illness or injury.
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