Disability insurance is insurance on your paycheck. If you are unable to work due to an accident or illness that was caused off the job an insurance company will replace a portion of your lost income. There are different types of disability, short and long term. Short Term Disability is designed to cover for a short period of time typically anywhere from 13-26 weeks. Long Term Disability provides benefits for years: 2, 5, 10, 20, to retirement age, depending on your plan. Most disability plans replace your base income of 40-60%. Our team will help you find the best plan that fits your needs!