Learn how elimination periods impact insurance costs and benefits. Discover tips for choosing the right waiting period for ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Myles is a former senior insurance editor for Investopedia. He oversaw the strategy ...

For Canadians on long-term disability (LTD), a reassessment often occurs at the two-year mark. Insurance companies use this opportunity to determine if an individual is still “totally disabled” under ...

If you have a physically demanding career, obtaining disability insurance could be a smart move to protect your income if you ...

Should a serious illness or injury prevent you from working on a partial or total basis for an extended period of time, you may be eligible for long-term disability (LTD) benefits, paid by the college ...