T or F
Most people think disabilities only happen from accidents.
Actually, illness is responsible for most cases. This helps kids understand that everyone, even those who are very careful, can benefit from protection.
If an adult who has disability insurance gets a bruise, are they allowed to take off 90 days?
No, getting "hurt" is different from being "disabled."
Breaking your leg in an accident, does this fall under Disability insurance?
Yes, a broken leg from an accident typically falls under disability insurance, provided the injury is not work-related.
How many months will the checks keep coming if I have STDI (Short Term)?
Usually lasts 3 to 6 months.
Is disability insurance the same as health insurance?
No. Health insurance pays the doctor to fix your body. Disability insurance gives you money to live on while you are recovering and can't earn a paycheck.
Disability insurance pays for your doctor and your medicine.
False! (That’s Health Insurance. Disability insurance gives you money to pay for your house, food, and clothes when you can't work.)
What is the most common reason an adult might need to use their disability insurance?
Answer: C. While accidents do happen, most people use disability insurance because of sickness or health problems that last a long time.
Can kids have disability insurance too?
Yes, some programs provide monthly cash to help families with the extra costs of caring for a child with a disability.
If you have disability insurance and never get sick, you get all your monthly payments back.
False! (The money you pay—the premium—stays with the insurance company so they have enough money to help others who do get sick.)
How long does disability insurance last?
(Not a number answer)
It lasts as long as your "Benefit Period," which you choose when you buy the policy.
Does a workplace injury fall under disability insurance?
No, these are generally handled by Worker's Compensation, not your personal or group disability insurance.
Does STDI (Short Term) cover "Normal Pregnancy"?
Yes. This is one of the most common uses for Short-Term Disability.
Why is it called "disability" insurance?
A "disability" is when a physical or mental challenge makes it hard for someone to do their normal activities, like their job. Insurance is there specifically for when that challenge stops them from working.
You can wait until you are already sick to buy disability insurance.
False! (That’s like trying to buy a bike helmet after you’ve already fallen. You have to have the insurance before the problem happens.)
What happens if no one has insurance?
Without it, a family might have to use all their savings or sell things they love to pay for basic needs like food or their house if a parent can't work.
Kids can sometimes get help from the government if they have a disability that makes life very expensive for their parents.
True! (Programs like SSI help families pay for extra things a child might need to stay healthy and learn.)
This is the basic rule of disability insurance: it is designed to replace a portion of a person's _________ if they become too sick or hurt to work.
Income
I am a professional athlete, and I suffered a season-ending injury during a game. Does my standard employer-sponsored disability insurance cover me?
No, this falls under a hard rule called the Professional Athlete Exclusion.
How long do I have to be sick before the first check arrives for LTDI (Long Term)?
The "waiting period" is usually 90 to 180 days. It assumes you have savings or STDI to cover the first few months.
Where does the money come from?
Insurance companies "pool" money from thousands of people. Most people stay healthy and don't need the money right now, so there is plenty saved up for the few people who do get sick or hurt.