: Pays a partial benefit if you can work part-time but suffer a loss of income due to illness or injury.
: This is your waiting period (like a deductible). Common lengths are 60, 90, or 180 days. Longer periods lead to lower premiums. dis insurance
: Recommended for its customization options, including riders for "true regular occupation" and residual disability. : Pays a partial benefit if you can
: "Own-occupation" coverage is the gold standard; it pays out if you can't perform your specific job, even if you can work elsewhere. dis insurance
Before purchasing, verify these "make or break" terms in your policy: