Disability Income Insurance
Disability income insurance provides benefits to replace lost income when a person becomes unable to work because of illness and/or injury. Insurance can be confusing and it is our desire to keep you informed and help you understand insurance.
If you have questions, the Consumer Services Division of the Department of Insurance is here to help.
Toll-free: 855-408-1212
North Carolina Department of Insurance
325 N. Salisbury Street
Raleigh, NC 27603
Types of Income Disability
Short-Term Disability / Own Occupation
Provides benefits when an insured is unable to perform the regular and customary duties of their own occupation as a result of covered illness or injury.
Long-Term Disability / Any Occupation
An insured is generally considered eligible for Long-term Disability benefits only if the insured is disabled to the extent that he or she is unable to perform the duties of any occupation for which he/she is qualified according to his/her education, training and prior experience.
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