Understanding the Policy

Secure your income against the unprecedented event of a disability.

Disability insurance or long-term disability insurance is insurance for the income of the beneficiaries. In case of a health risk or injury, the missed portion of your income can incur huge financial stress. Disability insurance differs from the typical health insurance in the way that health insurance only covers the medical bills whereas disability insurance can help you pay for the mortgage, other utilities, and bills. 

  • Short-term disability insurance: lasts for up to a year only.
  • Long-term disability insurance: Lasts up to the retirement age.
  • Social-Security disability insurance: A self-funding emergency policy with lower coverage and difficult to qualify.


Policy Highlights


  • Income security against illnesses and injuries
  • Payout can be used for multiple expenses
  • You can receive benefits as early as after 30 days of disability.


  • Non-cancelable i.e. the terms of the policy cannot be changed later
  • Does not cover pre-existing health conditions or high-risk individuals


  • Risky hobbies/lifestyle
  • Pre-existing health conditions


  • Varies from 2 to 10 years or until the retirement of the individual

However, it is recommended to wait until 90-days after your disability to claim for disability insurance. Ask our experts why?

Benefit Amount

The benefit you receive is usually 60% of your gross income.

Cost of Disability Insurance

The cost of disability insurance increases with a higher degree in the following factors:

  • Age
  • Gender
  • State of health/ Lifestyle
  • Residence
  • Occupation
  • Policy type/ coverage amount/ waiting period
  • Add-ons to the policy (Riders)


United Life Experts can help you compare the quotes by various disability insurance companies and even find coverage for people with medical complexities!