Definition of disability
Review how the policy determines whether you qualify, including how your occupation and ability to work are assessed.
Disability insurance
Protect the income your everyday life depends on.
Disability income insurance can help replace part of your income when a covered illness or injury prevents you from working. Start by reviewing existing employer benefits and the expenses you would still need to cover.
Compare the policy details.
Waiting and benefit periods
Understand how long you must wait before benefits begin and how long payments may continue.
Benefit amount and exclusions
Compare the income benefit, policy limits, exclusions and how existing coverage may affect benefits.
Eligibility, premiums and benefits depend on occupation, income, underwriting and policy terms. Coverage availability varies by carrier and state.
Maryland Insurance Administration: disability insurance guide