If you have a physically demanding career, obtaining disability insurance could be a smart move to protect your income if you ...

Long-term disability insurance generally costs between 1% and 3% of your income, but it’s well worth the price. About one in four young people will miss a year or more of work before retirement age ...

Short-Term Disability Insurance (STD) replaces a portion of your pay if you cannot work due to an illness or injury. The STD plan pays a benefit to replace 66.67% of your pre-disability income.