Disability Insurance


Melissa said: Apr 7, 2006
 Piano, Flute
151 posts

There has been mention of disability insurance. How do you get it? Is it through insurance companies such as Allstate or is it through the state government. And will it cover you for sick days?
Thanks in advance for any infromation.

Lynn said: Apr 8, 2006
Suzuki Association Member
Violin, Viola
173 posts

You would have to shop around for sources and policies. They are quite variable in terms of the extent of the coverage. I found mine through USAA Life.

Disability insurance is income protection that pays benefits if you are sick or disabled, and unable to work for an extended period of time. Benefits start after you have been unable to work for 30, 60, 90 or 120 consecutive days (and go forward from there) and pay a percentage, not the full amount of your income. Not surprisingly, the longer the elimination period you select—the time until benefits kick in—the less you pay for the policy.

Melissa said: Apr 8, 2006
 Piano, Flute
151 posts

Interesting, I will look into it, thanks Lucy!

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