There are three basic ways to replace income:
- You may have short term sick leave through your place of employment ~ or they may provide a group disability plan. You should check with your employers benefits coordinator.
- Social Security disability benefits can be paid to workers whose disability is expected to last at least twelve months and prevents them from being gainfully employed.
- An individual disability income insurance policy will replace between 50% and 70% of your income. Although less than your normal income, the benefits under this policy are not taxable as income.