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If you are unable to work because of sickness or injury, disability income insurance can help you meet expenses and maintain your standard of living. It can help you with bills such as your mortgage, car payments and children’s tuition as well as food, clothing, and utilities. By replacing a portion of your income, disability income insurance can help provide financial security until you get back on your feet and return to work.
Short-term disability insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Long-term disability can replace a portion of your income after those initial weeks, for an extended period.