Disability insurance replaces part of your income if you become disabled and can no longer work, but you usually must be disabled for a specified period of time before benefits are provided.

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Disability insurance typically has a waiting period before benefits are provided, often ranging from 30 days to 180 days or more depending on the policy. This means that you must be disabled for a certain amount of time before receiving any benefits.

Disability Insurance Replaces Part of Your Income If You Become