Disability Insurance
Support. Security. Simplicity.
Most people don’t have six months—or even one month—of income saved for the unexpected. Whether it’s an injury, illness, or pregnancy-related leave, losing your ability to work can quickly become a financial emergency. That’s where disability insurance comes in.
If you live in Connecticut, it’s especially important to plan ahead: unlike some states, CT doesn’t have a mandated program to cover off-the-job injuries or illnesses—including maternity leave. With private disability insurance, you can receive a portion of your income while you’re unable to work, so life doesn’t fall apart when you need time to recover.
Why Disability Insurance Matters
It’s not just about your income—it’s about your independence. Here’s who should consider coverage:
- Active adults: If you’re injured playing sports or in an accident, disability insurance can help cover lost income during your recovery.
- Expecting moms in CT: If your employer doesn’t offer paid maternity leave, short-term disability coverage must be in place before pregnancy begins.
- Primary breadwinners: If your income supports your household, even a short time without it can have lasting financial consequences.
- High-deductible health plan holders: Disability insurance can help offset your out-of-pocket costs if an injury prevents you from working.
How Spectrum Helps
1
We Shop Top Carriers for You
As an independent agency, we compare plans from 25+ top-rated insurers to find the right coverage at the best price.
2
We Explain Everything in Plain English
No jargon, no guesswork—we walk you through your options so you actually understand what you’re getting.
3
We’re Here Long After You’re Covered
Need to make a change or file a claim? You’ll always have a real person to call who actually knows your name.
What is disability insurance, and how does it work?
Disability insurance provides a portion of your income if you’re unable to work due to an illness, injury, or medical condition. You pay a monthly premium, and if you become disabled (temporarily or long-term), the policy pays out a percentage of your lost income to help you stay financially stable.
What’s the difference between short-term and long-term disability insurance?
Short-term disability usually covers you for a few weeks up to 6 months—it’s great for things like maternity leave, surgery recovery, or injury. Long-term disability kicks in after a longer waiting period (often 90+ days) and can continue paying benefits for years, depending on the policy.
Is disability insurance necessary if I already have health insurance?
Yes—health insurance pays your medical bills, but disability insurance replaces your paycheck. If you’re unable to work, this is what helps cover rent, groceries, and everything else your income usually takes care of.
Can I get disability insurance if I’m already pregnant or injured?
Unfortunately, no. You need to have disability insurance in place before a medical event happens. That’s why timing matters—once you're already sick, injured, or pregnant, it’s too late to start coverage for that condition.
How much of my income will disability insurance cover?
Most policies cover around 60%–70% of your gross income. It’s enough to keep you on your feet without incentivizing people to stay out of work longer than they need to.
Is disability insurance expensive?
It’s more affordable than most people expect—especially when you consider what losing your income would cost. Premiums are based on your age, health, job type, and how much income you want to protect.
