For people without disability insurance, an accident or illness that prevents them from working for a period of time has the potential to change a difficult situation into a financial hardship.

A supplemental disability insurance plan pays a monthly cash benefit during a time of total disability and helps provide the important extra layer of financial protection you need. The money can be used to pay unexpected medical costs or everyday living expenses while you are unable to work.

Here are some points to consider when choosing a supplemental disability insurance plan: