Last updated: April 2026
Please read this Disclaimer carefully before using Disability Insurance Cover.
1. General Information Only
All content on Disability Insurance Cover — including articles, guides, statistics, comparisons, and data visualizations — is provided for general informational purposes only. Nothing on this website constitutes professional, legal, financial, medical, or insurance advice of any kind.
2. Not Insurance Advice
Disability Insurance Cover is not an insurance company, insurance broker, agent, or producer. We do not sell, broker, or administer disability insurance policies. We are a consumer information resource. Any decisions you make regarding disability insurance coverage should be made in consultation with:
- A licensed insurance agent or broker
- A qualified financial advisor
- An attorney specializing in disability or insurance law
- Your employer's HR or benefits department
3. Not Legal Advice
The legal information on this website — including content about Social Security Disability (SSDI) eligibility, state disability laws, ERISA regulations, and claims procedures — is provided for general informational purposes only. Laws vary significantly by state and change over time. This information should not be used as a substitute for professional legal counsel.
4. Not Financial Advice
Information about disability insurance premiums, benefit amounts, tax implications, and income replacement calculations is provided for educational purposes only. Consult a qualified financial advisor before making financial decisions related to disability insurance.
5. Accuracy of Information
We make every effort to ensure the accuracy of the information on this website. However, disability insurance laws, regulations, and SSA policies are subject to change without notice. We cannot guarantee that all information is current, complete, or applicable to your specific situation. Always verify information with:
- The Social Security Administration (ssa.gov)
- Your state's labor or insurance department
- Your insurance carrier or benefits administrator
- A qualified professional advisor
6. Statistics and Data
Statistical data displayed on this website — including OASDI beneficiary numbers, state disability rates, and program statistics — is sourced from the U.S. Social Security Administration (SSA) and other official government sources. While we strive for accuracy, we make no warranties regarding the completeness or timeliness of statistical data.
7. State-Specific Programs
Information about state-mandated disability insurance programs (such as California SDI, New York DBL, Massachusetts PFML, etc.) is provided for general reference only. Program rules, benefit amounts, and eligibility requirements are set by each state and may change. Always check with your state's labor department or the relevant state agency for the most current information.
8. External Links
This website may contain links to third-party websites, including government agencies, insurance carriers, and other organizations. These links are provided for convenience only. We do not endorse, verify, or assume responsibility for the content or practices of any external websites.
9. User Responsibility
You acknowledge that your use of the information on this website is at your own risk. You are solely responsible for any decisions you make based on information found on this website. We recommend consulting a qualified professional before making any insurance, legal, or financial decisions.
10. Limitation of Liability
To the fullest extent permitted by law, Disability Insurance Cover, its owners, employees, and affiliates shall not be held liable for any damages arising from your reliance on information provided on this website — whether direct, indirect, incidental, consequential, or otherwise.
11. Changes to This Disclaimer
We reserve the right to modify this Disclaimer at any time. Changes will be effective upon posting. Your continued use of the website constitutes acceptance of any modified terms.
12. Contact
If you have questions about this Disclaimer, please contact us:
- Email: info@disabilityinsurancecover.com
- Phone: (323) 883-0012
- Address: 6767 Forest Lawn Dr, Suite 301, Los Angeles, CA 90068