Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Can You Get Disability Insurance Once You Are Already DisabledA person who is already disabled can not qualify for disability insurance, since the purpose of this type of coverage is to protect an individual’s income if he or she is unable to work.

Disability insurance coverage is a product that consumers should consider buying, since it’s more likely that a person will become disabled in their working lifetime than to pass away at a relatively young age.

Get insurance quotes for disability coverage before you need it by entering your zip code now!

The following article explains what disability coverage offers and the main types available. Use this information to select an insurer that will meet your needs.

Disability Insurance Coverage

A disability insurance policy will pay out a benefit of between 45-60% of the policyholder’s gross earnings if he or she is unable to work. This money is received on a tax-free basis, since it’s treated in the same manner as the proceeds from a life insurance policy.

Each company that offers this kind of protection can set its own coverage terms and conditions. Shopping around to find out what options are available is a good idea, but this is not the type of product where a consumer should be overly focused on pricing.

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Short Term Disability

Short-term disability insurance coverage pays a benefit to a person who is temporarily unable to work due to an illness or injury. This type of policy will have a waiting period of up to 14 days before benefits will be paid. The length of time benefits can be collected under this type of policy varies, depending on the type of medical condition involved.

This type of income protection may be available through a group benefit plan, and that is the easiest way to arrange coverage. An advantage of enrolling in a group short-term disability plan is that all applicants are accepted without having to undergo a medical examination.

There may be restrictions on when the short-term disability can be used. For example, an employee may only be able to apply for benefits after all of his or her available sick leave has been exhausted.

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Long Term Disability

Long-term disability insurance pays out a monthly benefit for people who will not be able to work for the foreseeable future. Some disability insurance policies state that a person who is unable to carry out the duties of his or her own occupation is entitled to receive benefits. This is the most comprehensive type of coverage, and it’s also the most expensive one.

Other long-term disability insurance policies specify that in order to receive benefits, the policyholder must be unable to work at his or her usual occupation or any other one that he or she would be qualified to do, given his or her education and experience. The difficulty with this type of policy is that it is open to interpretation and to get benefits, a policyholder may need to consider litigation at a time when they are already under the stress of dealing with illness or an injury and unable to work.

Once the waiting period for benefits has passed, the payments are made monthly thereafter. Benefits payable under long-term disability insurance are paid for the time set out in the policy language. Some plans specify that benefits are only payable for two or five years, but the most popular type of long-term disability coverage pays out a monthly benefit until the policyholder turns 65. Policies that will pay a lifetime benefit are available, but this is a very expensive option.

Disability insurance is underwritten based on the likelihood that the applicant will get sick or become injured and need benefits. A person who is already disabled and unable to work no longer has an income to protect, so he or she does not qualify for this type of coverage. People who are employed and in good health should have some type of disability coverage in place so that they can collect a portion of their salary if they can’t work.

Short-term disability insurance is available to provide financial assistance to a person who must be out of work temporarily. It covers the policyholder for a portion of lost income due to illness or an injury. These types of plans will only pay out benefits for a set time. Once it expires, a long-term benefits plan could pay out a monthly check if one has been put in place.

Long-term disability coverage pays out a benefit until the policyholder is able to return to work or until the benefit period expires, whichever comes first. Both types of income protection products are a valuable part of a solid financial plan.

Compare disability insurance rates by using your zip code and the free quote tool now!