Liz Weston

So we're going to talk about some various kinds of insurance that folks might have as options on their employer-sponsored benefit plans. And I'd like to have you help us out first on disability. So what exactly is disability insurance and why would somebody need it?

Okay. And I hear that people are much more likely to be disabled than to die during their working years. Is that true?

Okay. And I hear that people are much more likely to be disabled than to die during their working years. Is that true?

Okay. And I hear that people are much more likely to be disabled than to die during their working years. Is that true?

So you mean that a disability is less likely to happen to you if you have an office job, which makes sense, than if you have a blue collar job or where you're out working with machinery or something else that could hurt you.

So you mean that a disability is less likely to happen to you if you have an office job, which makes sense, than if you have a blue collar job or where you're out working with machinery or something else that could hurt you.

So you mean that a disability is less likely to happen to you if you have an office job, which makes sense, than if you have a blue collar job or where you're out working with machinery or something else that could hurt you.

That's good to know. So what does employer-provided disability insurance usually cover?

That's good to know. So what does employer-provided disability insurance usually cover?

That's good to know. So what does employer-provided disability insurance usually cover?

So there's short-term disability and long-term disability. Can you talk about how those work?

So there's short-term disability and long-term disability. Can you talk about how those work?

So there's short-term disability and long-term disability. Can you talk about how those work?

And then the long-term can run for a certain number of years, or as you said, all the way up till retirement age.

And then the long-term can run for a certain number of years, or as you said, all the way up till retirement age.

And then the long-term can run for a certain number of years, or as you said, all the way up till retirement age.

Are there differences between what kind of disability you would go on or qualify for if you're unable to do your specific job versus if you're not able to do any job?

Are there differences between what kind of disability you would go on or qualify for if you're unable to do your specific job versus if you're not able to do any job?

Are there differences between what kind of disability you would go on or qualify for if you're unable to do your specific job versus if you're not able to do any job?

Okay. And actually, I wanted to get into that a little bit because people, if they're working and they're injured at work, they're typically covered by workers' compensation insurance. And John, we should talk a little bit about what that is and how it relates to disability coverage.