Disability income insurance provides insured individuals with income when they can no longer work or work as much because of an accident, injury, illness, and/or disability.

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DI insurance is available through employers, the Social Security Administration, or private insurance companies.

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Policies pay out benefits for short- or long-term disability coverage.

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Premiums are based on a number of factors, including a person's age and occupation.

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Policies pay benefits on a monthly basis, normally after the waiting period.

Individual policies are the most comprehensive.

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Is disability income insurance right for you?