The Sage Largesse Endeavor

Disability insurance safeguards your income if you can't work due to illness or injury. But there are two main types with different purposes: short-term and long-term.

• Short-term disability insurance kicks in quickly, typically within a few weeks of a qualifying disability. It pays benefits for a shorter period, usually lasting up to a year. This can help cover your bills during recovery from a minor surgery or illness.
• Long-term disability insurance has a longer waiting period, often around 90 days. But it provides financial support for a much more extended period, potentially several years or even until retirement. This is crucial if a serious medical condition prevents you from working for an extended timeframe.

Think of them as working together: short-term disability bridges the gap until your long-term benefits kick in, offering a safety net no matter how long your recovery takes.

Your greatest asset is your ability to earn an income. Without your income, everything else goes away. Your car insurance, savings, home, etc. Your income is worth protecting!