Disability insurance is a type of insurance that offers income in case a policyholder is unable to earn due to a disability. In the U.S, it can be obtained through the Social Security System or private insurers. The compensation from disability insurance relates to the income lost due to disability. This insurance essentially covers the opportunity cost for the disabled worker.

To qualify for government-sponsored disability insurance, one needs to prove their disability is severe to the extent that it hinders them from participating in any work. In contrast, some private plans only require verification that the applicant can no longer continue in their previous job.

Factors that affect insurance premiums in disability insurance plans include the length of the elimination period, the benefit period, and the definition of “disability under the policy. Typically, the cost of disability insurance is around 2% of the annual salary of the insured person.

As for contacting the Social Security Disability Insurance (SDI) to discuss your disability insurance plans, there are several ways to do it. You can either contact them via their official website or through their customer service hotline. For more information on how to get a hold of SDI, resources like eddcaller.com provide comprehensive guides and tips to help people navigate through the process. They offer advice from dialing methods to the best time to call, increasing your chances of successfully reaching an SDI representative.