Disability insurance

Graduating from college is an exciting milestone. As you transition into the working world, your insurance needs will change. Knowing how to navigate health, auto, renters, and other insurance options can save you money and help protect your future. This guide offers practical tips for new college graduates in Minnesota so you can make informed decisions.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.
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