Disability Insurance
Your earning power is your biggest asset on the path to FI. Disability insurance protects your income if injury or illness keeps you from working.
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Short-Term vs Long-Term Disability
Short-Term Disability
- Covers 3-6 months of income replacement
- Often provided free by employers
- Quick elimination period (0-14 days)
- Does not protect against long-term disability events
Best for: covering temporary injuries or illnesses while you recover
Long-Term Disability
- Replaces 50-70% of income for years or until retirement
- Critical for protecting your FI journey from derailment
- Own-occupation policies protect your specific earning power
- Longer elimination period (90-180 days) before benefits start
Best for: protecting your earning power on the path to FI
The ChooseFI take
Long-term disability insurance is arguably the most undervalued coverage on the FI path. Your ability to earn income IS your biggest asset until you reach FI. Choose an own-occupation policy with a 90-day elimination period to save on premiums — your emergency fund covers the gap.
Disability Insurance Guides
Guides on disability insurance, income protection, and how to keep your FI journey on track if you can't work.
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