DISABILITY INSURANCE 

Disability Insurance Information 

It’s important to be prepared in case you aren’t able to continue working after an accident or injury, even if your absence from work is only temporary. Disability insurance can help provide essential financial support if an injury or illness makes it impossible for you to continue performing your work duties.  

Call Andrews Insurance Agency at 401-722-4271 to get the disability coverage you need today.  

What’s Disability Insurance and How Does It Work?  

If a permanent or temporary disability sidelines you, disability insurance coverage can help you remain financially stable. Disability insurance is designed to partially replace lost income to help you recover from financial setbacks.  


Your disability insurance policy is a contract with an insurance company to pay a defined monthly benefit while you are disabled. Each policy has a premium, benefit amount, benefit period, waiting period and its own definition of disability.  


You may have to undergo a verification process to qualify for benefits. Your agent can help you file a claim if you need access to your disability benefits.  

What Is the Purpose of Disability Insurance? 

Short-term disability (STD) insurance typically replaces 60 to 80% of your income for up to six months or until you return to work. STD insurance is often offered as an employer-provided benefit. Long-term disability (LTD) insurance, often purchased as an individual policy, replaces 60 to 80% of your income if you can no longer work due to an illness or injury.  

Is It Worth It to Get Disability Insurance?  

If you depend on your income from a job to pay your daily living expenses and support your financial well-being, disability insurance can be a valuable source of income if you are injured or become ill and can no longer work.  


Whether disability insurance is worth it or not depends on how much a high-quality policy may cost. Your insurance agent can help you evaluate any disability insurance benefits you receive through your employer so you can decide whether to purchase disability coverage.  

How Can You Get Disability Coverage?  

There are several types of disability insurance available. Your agent can help you find a reputable insurance company so you can get the right coverage.  

• Private disability plans are available from major insurers.
• Many employers offer supplementary disability plans alongside coverage like workers’ comp, health insurance and life insurance. Ask your employer if you have the option to obtain coverage.
• Certain professional associations offer disability plans. 

What Are the Types of Disability Insurance?  

Some disabilities, like a broken leg, may be temporary, causing you to take just a few weeks off of work. Other problems, like a chronic illness, may mean you’ll have to stop working for longer periods. Depending on your injury classification, the type of disability coverage you can receive may vary.  


For the most comprehensive disability coverage, it’s crucial to consider both short-term and long-term disability coverage:  

• Short-term disability policies may have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. 
• Long-term disability policies may have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.  

Get Covered Today  


Depending on your situation, your agent may recommend that you tailor your disability insurance policy with coordination of benefits and residual disability riders. Talk to your insurance agent at Andrews Insurance Agency about how various disability insurance options can provide appropriate financial protection.