NBP Insurance » Disability Insurance

New York State Disability Insurance

If you’re unable to work due to a sickness or injury, disability income insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing a portion of your income, disability income insurance can help provide financial security until you get back on your feet and return to work.

Short term disability insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Long term disability can replace a portion of your income after those initial weeks, for an extended period. You may have one or both of these through your employer. Many people also choose to purchase individual disability insurance on their own. Individual disability income insurance can provide protection for people who do not have disability insurance available through their workplace or may be used to supplement group coverage through their workplace.