Work injury? Maternity leave? Care for a sick relative? Any of these life events can come out of nowhere and leave you anxious and confused about the costs or loss of wages. This is where disability insurance comes in and provides income in the event a worker can no longer perform their work due to a long-term or short-term disability. Depending on the type of injury or leave of absence, different types of policies may apply. Short-term policies offer benefits for a short period—typically three to six months. Meanwhile, long-term disability insurance offers benefits to those who are unable to work for a longer period—typically a period of over six months. Contact us to find out how to be prepared in the event of an unexpected life event.