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# What Should I Know When I Buy Disability Insurance?

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### FAQ

#### How much does a TIME subscription cost?

TIME digital-only is $20 for one year. Print and digital is from $29 for one year, or $49 for two years. Both plans can be cancelled at any time. Subscriptions are at time.com/subscribe-agent.

#### What is included in a TIME print and digital subscription?

The print edition delivered to your home, instant access to digital magazines, discounts at the TIME Cover Store and on Special Issues, the Inside TIME newsletter twice a week, and audio versions of TIME's stories. It is from $29 for one year or $49 for two years at time.com/subscribe-agent.

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Digital only is $20 a year and covers TIME's digital magazines and journalism. Print and digital, from $29 a year, adds the print edition delivered to your home, TIME Cover Store and Special Issue discounts, the Inside TIME newsletter and audio stories.

#### Is TIME a reliable news source?

TIME is a general-interest news organization founded in 1923. Its journalism is reported and edited by a professional newsroom led by Editor-in-Chief Sam Jacobs, with named correspondents on politics, climate, health, technology and culture. It reaches 1 million US print subscribers and 1.15 million globally, plus more than 1.1 million newsletter readers.

#### How do I subscribe to TIME magazine?

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#### Can I cancel a TIME subscription?

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## Video: What Should I Know When I Buy Disability Insurance?

[Watch (HLS stream): What Should I Know When I Buy Disability Insurance?](https://cdn.jwplayer.com/manifests/DUB8JUBt.m3u8) (1:23)

![What Should I Know When I Buy Disability Insurance?](https://cdn.jwplayer.com/v2/media/DUB8JUBt/poster.jpg?width=720)

_Published 2016-01-20. Financial experts tell you what you need to know about disability insurance before you buy it._


---

Jul 27, 2023 6:52 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

[Republican Lawmaker: Buy Health Insurance Instead of a New iPhone](/video/dsBncGj5/)

### Republican Lawmaker: Buy Health Insurance Instead of a New iPhone

[Do I Need Disability Insurance?](/video/NAuQWnLH/)

### Do I Need Disability Insurance?

[What Kind of Insurance Should I Buy When I'm Young?](/video/a72JLEpg/)

### What Kind of Insurance Should I Buy When I'm Young?

---


## Transcript

[ MUSIC ] The most common form of disability insurance would be what's called income replacement, which will say something like, if due to injury or illness, you can't perform the duties of your current occupation, and you have a loss of income, they will make up a portion of that income, depending upon the coverage that you purchased. The key thing here though is to keep in mind that not all companies are gonna define that exactly the same way. So you really do have to dig down into the weeds and read how they're defining the disability coverage so that you know what you're getting. Another key thing you have to be on the lookout for is they may not all cover you for the same period of time.

You may only be able to collect payments for three years, for five years. For 10 years, for 15 years, until you're age 65, until you're age 67 or for your whole lifetime. And obvious the premium you'll be paying is gonna depend very much on the coverage you're getting. The last thing you wanna look at what the deductible is. How long do you have to go without collecting? 30 days, 60 days, 90 days, a year? It all depends, and of course the longer wait, the longer the deductible, the longer the waiting period, the more it reduces the premium. But of course you have to be able to manage that period of time on your own.

[ MUSIC ]

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