Short-Term & Long-Term Disability (Income Protection)
Wage replacement if you can’t work due to illness or disability.
U.S. Department of Labor – Disability & Leave Benefits
https://www.dol.gov/general/topic/benefits-leave/disability
Social Security Disability Insurance (SSDI)
https://www.ssa.gov/benefits/disability/
Supplemental Security Income (SSI)
https://www.ssa.gov/ssi/
Key Points:
- STD/LTD are usually employer or privately provided
- SSDI/SSI are federal programs with medical and work requirements
- Approval takes time—documentation matters