Disability Income Insurance

Disability income insurance—also called income protection—provides financial security if illness or injury prevents you from working. It replaces part of your lost wages, helping you maintain your lifestyle and focus on recovery.

Types of Disability Coverage

• Short-Term Disability (STD) – Replaces income for a few weeks to several months after a temporary illness or injury.

• Long-Term Disability (LTD) – Provides benefits for extended periods, often until retirement, for serious conditions.

• Own Occupation Disability – Pays if you can’t perform your specific job, even if you can work elsewhere.

• Any Occupation Disability – Offers coverage only if you’re unable to work in any suitable role (lower cost, more restrictive).

• Residual/Partial Disability – Provides benefits if you can work part-time but not fully due to a disability.

• Group Disability – Employer-sponsored coverage for employees, though often less customizable.

• Individual Disability – Tailored private policies that fit your specific income, career, and coverage needs.

• Supplement to SSDI – Social Security Disability benefits may not be enough; private coverage helps bridge the gap.

At V SNAP Insurance Services LLC, we work with trusted providers to design disability income insurance plans that fit your personal and financial needs. Protect your income, safeguard your future, and gain peace of mind knowing your finances are secure—even if you can’t work.