Can A Stay At Home Mom Get Disability Insurance?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Unfortunately, a stay at home mom cannot get Disability insurance. Disability insurance is strictly meant to replace income that is lost due to a disability caused by illness or injury. For those who do not earn a monetary income, there is no income to replace, and regretfully, no opportunity to purchase Disability coverage.
    Answered on May 22, 2013
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  2. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    As Peggy said, a stay at home mom cannot purchase DI.  Most companies require that a person be working 30 hours per week in order to qualify for DI.  However, you can purchase critical illness insurance which would pay out a lump sum benefit upon the diagnosis of an illness.  It can be used at the insured's discretion (bills, mortgage, groceries, etc.)
    Answered on September 25, 2013
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