Workers' Compensation and Disability Insurance

Many workers mistakenly believe that workers' compensation will cover their expenses if they need to miss work for an extended period of time. Workers' compensation covers illness or injury that is work-related only.

• It is a state legal requirement that employees are protected when they are hurt on the job or become ill due to a work-related issue.
• Workers' compensation will pay for medical expenses related to the illness or injury, as well as supply a small amount of income.
• The majority of health problems occur outside of work. About 63 percent of disabilities are not work-related.

A short or long-term disability insurance policy will help protect your finances in this situation. InsuranceBureau.com can help you receive quotes. We work with hundreds of insurers nationwide so you can be sure to receive multiple quotes from disability insurance providers in your state.

Sources

1. Guide to Individual Disability Income Insurance. (2007). Retrieved April 28, 2008, from http://www.ahip.org/content/default.aspx?bc=41|329|19531