Disability Coverage

Disability Coverage


Employee-paid disability coverage offers you income protection with benefits that partially replace income lost as a result of a disabling non-occupational accident or illness.


What disability coverage offers

Benefits are paid with a one-time, lump-sum payment. This one-time payment allows the benefits to be used for any purpose, including:
  • Help offset loss of income
  • Deductibles, copayments, and scheduled benefit limitations
  • Treatments considered experimental
  • Transportation expenses to and from doctors and treatment facilities
  • Normal living expenses (mortgages, car payments, utility bills, childcare, groceries, credit card bills, etc.)

Some plan designs encompass a wider array of benefits, including coma, occupational HIV, and paralysis.


Plan tools

If you have employee-paid disability coverage from Humana, take advantage of these resources.

How much disability coverage do you need?

Use this worksheet to find out
Disability calculator worksheet
Download PDF

Contact us with benefit questions

If you have questions, call our Customer Care specialists toll-free: 1-877-378-1505 Monday – Friday, 8 a.m. – 5:30 p.m., Eastern time.

Service and claims forms

Commonly Used Forms

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