Here are the key types of disability income insurance:

• Short-Term Disability Insurance (STD)
  Provides temporary income replacement if you're unable to work for a short period due to illness or injury. Short-term disability insurance typically covers a few weeks to several months, depending on the policy.

• Long-Term Disability Insurance (LTD)
  Offers income replacement for an extended period—ranging from several months to several years—or until retirement if you are unable to work due to a disability. Long-term disability insurance is essential for ensuring that your financial needs are met in the event of a prolonged illness or injury.

• Own Occupation Disability Insurance
  Covers your income if you are unable to perform the duties of your specific occupation, even if you're able to work in another job. This type of policy offers the highest level of protection for those with specialized careers.

• Any Occupation Disability Insurance
  Provides benefits only if you're unable to work in any occupation for which you are reasonably qualified. This is typically a more restrictive form of disability insurance, but it may come at a lower cost.

• Residual or Partial Disability Insurance
  Offers benefits if you're able to work part-time or perform some aspects of your job but are still unable to fully carry out your duties due to a disability. This coverage helps replace the lost income from your reduced capacity to work.

• Group Disability Insurance
  Offered through employers, group disability insurance provides coverage for employees in case they are unable to work due to illness or injury. While convenient, group plans may not provide as much coverage as individual disability policies.

• Individual Disability Insurance
  A more customizable option, individual disability insurance policies are purchased privately and can be tailored to your specific income needs, occupation, and coverage requirements.

• Social Security Disability Insurance (SSDI)
  A government program that provides benefits to those who have worked and paid into Social Security but are no longer able to work due to a disability. However, SSDI benefits may not be enough to maintain your lifestyle, which is why supplemental disability income insurance is often recommended.

  At V SNAP Insurance Services LLC, we work with trusted insurance providers to offer disability income insurance policies that are tailored to your personal and financial needs. Our team is committed to helping you find the right coverage, so you have the peace of mind that comes from knowing your income is protected in case of an unexpected disability. Let us help you safeguard your financial future.