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
3200 Beechleaf Court
Raleigh NC 27604

Request Assistance or File a Complaint

Types of Income Disability

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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.

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.