Disability Insurance

Secure your income during unexpected health challenges and provide peace of mind for you and your loved ones.

Disability Support Pension Life Insurance, Disability medical insurance policy for Seniors. Laptop, glasses and documents on the background of Rollator Mobility Walker for Seniors at home.

What is Disability Insurance?

Disability insurance, often known as DI or disability income insurance, is a vital financial protection tool. It acts as a safety net for individuals, ensuring that they receive a portion of their income if they become unable to work due to a disability, illness, or injury. This coverage is designed to replace lost income during periods of disability and helps maintain financial stability when you need it most.

Female doctor filling out a questionnaire to a senior patient

How Does It Work?

Coverage and Premiums

Disability insurance is a policy that provides financial protection in case you become disabled and cannot work. You pay regular premiums to the insurance company based on factors like age, occupation, and desired coverage. The coverage defines the benefit amount, waiting period, and benefit period.

Disability Definitions

Policies define disability in different ways: "own-occupation" or "any-occupation." "Own-occupation" is more flexible, while "any-occupation" is more restrictive. Understand the specific definition in your policy to know when you qualify for benefits.

Claim Process and Benefits

When disabled, you can file a claim after the waiting period. If your claim is approved, the insurance company makes regular benefit payments, usually on a monthly basis. Benefits help replace a portion of your lost income during the disability.

What It Provides

Savings protection, Protect money, Risk management

Income Protection

Your ability to earn an income is your most significant financial asset. Disability insurance ensures that you can maintain your financial obligations even when you can't work.

Man and lady hold each other's hands, support for loved one

Support for Loved Ones

If you provide for your family, disability insurance ensures they remain financially secure during your recovery period, alleviating their financial burden.

Risk Mitigation

Disability is more common than you might think. Without insurance, you risk depleting your savings, accumulating debt, or facing financial hardship if a disability strikes.

Long-Term Financial Goals

It helps you maintain your long-term financial goals, such as retirement savings and educational plans, without interruption.

Questions to Ask an Agent About Disability Insurance

Ensure you understand the specific disabilities covered by the policy and any exclusions.

 Different policies have varying definitions of disability. Clarify how the policy defines disability and how it might affect your eligibility for benefits.

The waiting period is the time you must be disabled before benefits are paid. Ask about the waiting period options and how they impact premiums.

Understand the benefit amount you can receive and if it can be adjusted to suit your needs.

Inquire about additional features or riders that can be added to the policy for more comprehensive coverage.

Understand the premium structure, whether it’s fixed or adjustable, and how it might change over time.

Ask about any limitations related to pre-existing conditions and how they may affect your coverage.

Get information on the claims process and the documentation you’ll need to provide.

Why Get Disability Insurance From Westland?

At Westland, we offer disability insurance to protect your income, ensuring financial security during unexpected challenges. Choose us for:

Customized Coverage

Tailor your policy to your unique needs.


Quality coverage that fits your budget.

Long-Term Goals

Safeguard your financial future.

Expert Guidance

We’re here to support you every step of the way.

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