Disability insurance = income protection. That’s really the whole idea, but it’s worth breaking down because most people underestimate how much they’d actually lose without it.
If you couldn’t work tomorrow — injury, illness, surgery recovery — your paycheque stops. Your mortgage, bills, and family expenses don’t. That gap is exactly what disability insurance is built to close.
Here’s how it actually works:
→ It replaces a portion of your regular income — typically 60-70% — while you’re medically unable to work
→ Short-term disability covers shorter recovery periods, weeks to a few months
→ Long-term disability kicks in for extended situations, potentially years
→ Payments continue as long as you remain disabled under the policy terms, up to the coverage limit
Most people assume their employer’s group benefits have this covered. Often it’s less than expected, and it disappears the moment you leave that job. A personal policy is portable — it stays with you, not your employer.
If your income stopped tomorrow, would your family be okay for 3-6 months? That question is really what this coverage answers.
#criticalillnessprotection #disabilityinsuranceawareness #familyprotection #lifeinsurance