Demystifying Disability Insurance in Personal Injury

Understanding Disability Insurance in the Context of Personal Injury

When faced with personal injuries that lead to disabilities, you want to ensure you’re secure financially. This is where disability insurance comes into play. At the Law Office of Carlson Bier Associates, we believe in offering you the facts, so you can make educated decisions about your own protection plan in case of any unfortunate incidences. Owing to years of experience in dealing with personal injury cases in Chicago and throughout Illinois, we’re ideally suited to guide you through the intricacies of disability insurance.

What Exactly is Disability Insurance?

Disability insurance plays a crucial role in safeguarding your income if you sustain an injury or encounter an illness that hinders your capacity to work. Typically, it provides between 45% to 60% of your gross income, thereby ensuring that your family’s financial stability is not compromised during your recovery period.

The Different Types of Disability Insurance

Short-Term Disability Insurance – This insurance usually covers injuries that incapacitate you to work for a short period. The benefits typically commence within 1-14 days of the disabling event and can last up to two years.

Long-Term Disability Insurance – This insurance is put into play when you are incapacitated for a more extended period. The benefit period can range anywhere from a few years to the remaining duration of your life.

How Disability Insurance Interplays with Personal Injury Claims

It’s essential to appreciate that personal injury settlement and disability insurance benefits can sometimes overlap. However, it doesn’t necessarily mean the two are mutually exclusive. It’s always best to get in touch with competent legal experts like us at Carlson Bier Associates to guide you on best practices around pursuing both.

Why Disability Insurance is Important

Invalidity strikes when least expected. When it impedes your income stream, you can rely on disability insurance to keep you afloat as you recuperate. It shields you from the financial burden that comes with losing your ability to work and ensures your family’s livelihood.

Where to Get Disability Insurance

Several different avenues can provide disability insurance: through an employer’s benefit package, trade associations, private insurance carriers, and even the federal government in some cases. Where you source your insurance from could dictate your level of cover, the range of disabilities insured, and how quickly your benefits are triggered.

What Disability Insurance Covers

A comprehensive disability insurance program should account for various debilitating influences: injuries resulting from accidents, illnesses, and even mental health disorders. It’s paramount to read the fine print and understand exactly what you are covered for.


Disability insurance is an essential factor in securing one’s financial future, particularly in light of unexpected personal injuries that could render us incapable of generating an income. As a legal firm specializing in personal injury cases in Illinois, we at the Law Office of Carlson Bier Associates understand the complexities of disability insurance and are well-equipped to guide you through the process.

Do not be in the dark. If you need more resources about our court system, visit the Illinois Court Public Resources page. Count on us to protect your rights, your health, and your financial stability in uncertain times. Demystifying disability insurance is not only our job but our service of guaranteeing you peace of mind.