There are fundamentally only three types of disability insurance available to satisfy your needs. They are: Accident Only, Short-Term Accident & Illness and Long-Term Accident & Illness. Similar in some respects but different in many others. The costs vary dramatically based on a number of factors. The most significant of which are: Monthly Benefit, Elimination Period and Benefit Period. In this section, you will be provided comparisons illustrating the relationships between coverage types and premiums, for men and women, young and old, healthy or not. The chart below illustrates some features of each of the three types of disability insurance policies available.