Private disability insurance is an insurance policy that pays a portion of your income in case a temporary or permanent disability occurs, preventing you from working. Private disability insurance is a policy that can be provided by an employer as an employee benefit, or can be purchased by an individual. Private quotes are available in short-term or long-term basis.

Long-Term private disability insurance pays a percentage of your salary if you are unable to work long-term due to illness, injury, or pregnancy. By obtaining a long-term quote, you will be able to receive what is expected to last for one year or longer, unlike with short-term quotes that typically provide benefits for a short period of time (six month to one year). Quotes vary on the length of coverage, but usually long-term disability insurance quotes provide benefits until age 65 for physical disabilities or as long as the disability continues.

Some people underestimate the risk of occupational disability that may be caused by illness or accident and can lead to a major financial problems. Private occupational insurance covers you if you are no longer able to work in your current career for health reasons, with occupational incapacity level of 50%. Private occupational quotes covers income protection and replacement for both short-term and long-term occupational incapacity.

Income replacement insurance or income replacement cover quotes provide you with a tax-free monthly income replacement until your selected retirement age (usually between 50 and 70) if you are unable to work due to an illness or disability. Income replacement quotes are based on your occupation, age, health, estimated retirement age, and income replacement ratio.