Short-Term - Covers a percentage of your lost salary should illness or injury knock you out of work for more than a few days.
Long-Term - Protects you from catastrophic illness or injury including the inability for you to permanently earn an income.
Unemployment Insurance after a two-week waiting period will cover you for only fifteen weeks. Your need for revenue continues may exceed this time frame. Where will this money come from?
Dominion Group Benefits can provide several policies from different carriers for individual long-term disability coverage, subject to medical evidence.