There are two main types of disability insurance: short-term disability insurance and long-term disability insurance. Short-term disability insurance usually covers a shorter period, such as a few months, while long-term disability insurance provides coverage for an extended period, sometimes until retirement age if necessary.
Disability insurance policies vary in terms of coverage, waiting periods, and benefit amounts. Some policies may cover only specific disabilities, while others offer broader coverage. It’s essential for individuals to carefully review the terms of the policy to ensure it meets their needs.
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