Disability Insurance Glossary

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To help you understand Disability Insurance, we have provided you with a general explanation of some frequently used terms. Note that the exact definitions of these terms can vary from company to company. Always consult your agent for the meaning of the terms applicable to your policy.

Benefit Levels - Maximum amount a person is entitled to receive for particular services as described in the contract with insurer or health plan.

Disability (disabled) - A condition due to sickness or injury that curtails a person's ability to carry on normal pursuits. A disability may be partial or total, and temporary or permanent as verified by a doctor.

Long-Term Disability Income Insurance - Long-term Disability Income Insurance is designed to provide benefits for a long duration such as 2 years, 5 years, or in some cases up to age 65. The elimination period for this policy is usually 90 or more days.

Short Term Disability Insurance - Group or individual policy written to cover disabilities of 13 or 26 weeks duration. However coverage for as long as two years is not uncommon.

Long Term Disability Insurance -

Temporary Disability Insurance - programs are designed to provide wage replacement for non-work-connected sickness or injury.