Disability Insurance

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The Definition of Disabled

A person looking to receive a cash payment due to a temporary disability must be declared disabled. This means that due to a sickness or injury you are under a legally qualified physician’s care and not actively at work.


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For people without disability insurance, an accident or illness that prevents them from working for a period of time has the potential to change a difficult situation into a financial hardship.

A supplemental disability insurance plan pays a monthly cash benefit during a time of total disability and helps provide the important extra layer of financial protection you need. The money can be used to pay unexpected medical costs or everyday living expenses while you are unable to work.

Here are some points to consider when choosing a supplemental disability insurance plan:

What Is It?

Supplemental disability coverage is an insurance product that helps to protect your standard of living should you become sick or have an accident that results in you being totally disabled. The benefits are designed to replace a portion of your salary for a set period of time in the event that you cannot work due to a qualifying illness or injury.

How It Works

If a person becomes injured by a qualifying accident or illness and becomes disabled and is therefore not able to work, a claim is filed. Once the claim is reviewed and approved, a short-term disability cash payment is paid directly to the claimant.

What does it cost?

Disability insurance premiums vary based on coverage options and underwriting. But individual protection can be purchased for as little as $3.56 per month.

What Can My Cash Benefits Be Used for?

Your benefits can be used for any bill or expense you have. They do not have to be reserved for your medical expenses. For example, you could use them to pay for:

And of course they can be used to pay for your copays and coinsurance, as well as any other unpaid medical expenses.