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Disability plans provide benefit payments to the insured for a specific period of time while they are unable to work. This allows them to pay their bills and handle any other financial obligations. Insurers consider many factors when determining to grant or deny an applicant a disability insurance policy and how much will be charged for premium payments. Some factors that affect insurer’s decisions include the applicant’s age, gender, occupation, hobbies and medical history. Short-term or Long-term disability plans can be purchased to protect a persons’ income in the event they find themselves unable to work temporarily or permanently. 

Short-term disability (STD) plans can provide coverage for up to two years. STD plans typically have a waiting period, which can last 14 days. The waiting period can be waived under certain circumstances such as visible injuries. Long-term disability (LTD) plans can cover an insured until they reach retirement age. The waiting period for LTD plans can last up to six months.