Disability insurance can be obtained through any number of insurance companies. You will receive a percentage of your gross income from your disability insurance policy, income that will ensure your own financial safety.

You do not have to go through the Social Security Office to take out a disability insurance policy, nor to receive the benefits from that policy. The Social Security disability program is not related to any disability insurance policy that you take out.

Individual disability insurance is truly a basic concept. To buy the cheapest disability insurance policy on the market is to throw money away. – About Disability Insurance web site, June 2006

Types of Disability Insurance

Most people are familiar with two types of disability insurance: short-term disability, and long-term disability. Short-term disability insurance is included as part of a benefits package with many different employers, and usually provides an income in the early part of disability. One type of disability insurance is the Own-Occupation Disability Insurance. The language of this type of disability insurance reads:

Common in employee benefits packages, Gainful Occupation Coverage is another popular form of disability insurance.