[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/consumerinsuranceguide.com\/disability\/disability-insurance-basics\/#BlogPosting","mainEntityOfPage":"https:\/\/consumerinsuranceguide.com\/disability\/disability-insurance-basics\/","headline":"Disability Insurance Basics","name":"Disability Insurance Basics","description":"If you rely on your income, you need to protect it with a good disability insurance policy. Many people take this for granted, but consider the economic impact you have to your family: Annual salary:\u00a0 $50,000 Age: 35 Retire at age: 65 Earned income over 30 working years: $1,500,000 Do you have anything else in your possession that\u2019s worth over $1,5000,000? If you did, wouldn\u2019t you insure it against loss?  That\u2019s what disability insurance does...","datePublished":"2019-01-04","dateModified":"2019-07-31","author":{"@type":"Person","@id":"https:\/\/consumerinsuranceguide.com\/author\/dklimas\/#Person","name":"Debbie Klimas","url":"https:\/\/consumerinsuranceguide.com\/author\/dklimas\/","identifier":68,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/fb9a4e24e22390d981562d40cc6ada9c9d4b8be9d21283d97a8705f2e3863b52?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/fb9a4e24e22390d981562d40cc6ada9c9d4b8be9d21283d97a8705f2e3863b52?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Consumer Insurance Guide","logo":{"@type":"ImageObject","@id":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2017\/03\/consumer-insurance-guide-logo.png","url":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2017\/03\/consumer-insurance-guide-logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2012\/09\/insurance-plan2.jpg","url":"https:\/\/consumerinsuranceguide.com\/wp-content\/uploads\/2012\/09\/insurance-plan2.jpg","height":282,"width":425},"url":"https:\/\/consumerinsuranceguide.com\/disability\/disability-insurance-basics\/","about":["Answers to Insurance Questions","Disability","Editors' Picks","Featured","Long Term Disability","Short Term Disability"],"wordCount":1946,"keywords":["basics","business","disability insurance","long-term disability","LTD","short term disability (STD)","std","young adult","young adults out of work"]},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Disability","item":"https:\/\/consumerinsuranceguide.com\/disability\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Disability Insurance Basics","item":"https:\/\/consumerinsuranceguide.com\/disability\/disability-insurance-basics\/#breadcrumbitem"}]}]