Disability Insurance – How It Works

How does disability insurance work?

1. Suffer an illness or injury: You aren’t able to work for an extended period because you are totally disabled due to an illness or injury
2. Submit a claim: Submit your claim to Assurity
3. Get paid: Receive monthly benefits while disabled, after your policies elimination period, based on the benefit period you elect

While you’re recovering, you can use the money to help you cover regular monthly bills, like your mortgage, car payment, credit cards, groceries and other expenses. If you do return to work, but can’t do the same job because of your disability, you may still receive monthly benefits.