Disability Insurance Basics
How long do disability insurance benefits last?
Disability insurance benefit periods determine how long benefits are paid. Common benefit periods are 2 years, 5 years, 10 years, and to age 65 or 67. A benefit period to age 65 or 67 is recommended for most working adults.
Key Points
- Common benefit periods: 2 years, 5 years, 10 years, to age 65 or 67
- Benefit period to age 65/67: most comprehensive protection
- Short benefit periods: lower premium but limited protection
- Most disabilities last longer than 2 years
- An independent agent can help you choose the right benefit period