The purpose of disability insurance is to replace the lost income from work should you become disabled, and unable to work. After an initial period called the “elimination” or “waiting” period, disability income insurance pays a specified percentage of your income while you are disabled. The payments continue for the duration of the disability or until the maximum time limit stipulated in the policy. As a rule, insurance companies will not allow you to have disability coverage for more than about 60 percent or 70 percent of your normal taxable income.

« Back to Personal

* Please do not use the contact us form to bind coverage, request policy changes or report claims. You must contact the Insurance Center at 501-223-2400 for these services.