Protect yourself from any changes in employment caused by illness or an accident. Disability insurance offers income either Short-term (less than 6 months) or Long-term (longer than 6 months) in the event you an unable to work. While your employer might offer disability insurance, its important to know if and how you’re covered. These disability insurance policies can be complicated in defining how one qualifies for the disability benefit and the period that a person much be disabled before receiving payments. We will help you make sense of these plans, help you understand your current coverage, and identify if you need any further protection.