Disability Insurance & Long Term care

Short-Term Disability Insurance and Long-Term Disability Insurance do not pay for long term care.

Disability Insurance is “paycheck insurance.” It replaces part of your paycheck (50% to 66%) if you are unable to work. Disability insurance does not typically pay to have someone take care of you.

Example: Jane is a 27-year-old airline pilot in San Jose, CA. On weekends she rides her bike to the ocean.

One weekend Jane falls off her bike and ruptures three disks in her spine. After surgery, Jane contracts a serious post-operative infection and misses eight months of work.

Her disability insurance replaces 66% of her pay each month. While recovering at home she needs help with the Activities of Daily Living. She has to pay out of her own pocket for someone to come to her apartment each day and care for her.