On May 13, 2026, the Tennessee Department of Commerce and Insurance recognized Disability Insurance Awareness Month and encouraged Tennesseans to consider protecting one of their most important assets — their paycheck.
TDCI describes disability insurance as insurance for your income: it replaces a portion of income if illness or injury keeps you from working. This article restates TDCI’s public tips. Informational only — no coverage, eligibility, or claim-payment promise.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What did TDCI say about disability insurance in May 2026?
| Item | Detail |
|---|---|
| Announcement date | May 13, 2026 |
| Theme | Disability Insurance Awareness Month |
| Core message | Disability insurance protects income / the paycheck |
| Short-term (TDCI tip) | Typically replaces a portion of salary for three to six months |
| Long-term (TDCI tip) | Generally begins six months after disability; can last years or until retirement age |
| TDCI CIS phone | (615) 741-2218 or (800) 342-4029 |
Commissioner Carter Lawrence said disability insurance is often overlooked but can help with expenses such as food, mortgages, or tuition when earnings stop.
What is disability insurance, according to TDCI?
Insurance for your income. It replaces a portion of income if you cannot work because of illness or injury. Without it, TDCI notes, even a short-term illness or injury can drain savings quickly.
How do short-term and long-term disability typically differ in TDCI’s tips?
Short-term typically replaces a portion of salary for three to six months. Long-term generally begins about six months after the disability and can last for years or until retirement age. Exact policy terms vary by contract.
Where can Tennesseans usually obtain disability coverage?
Through employer-sponsored benefits or as an individual purchase outside an employer plan, according to TDCI.
Who at TDCI can answer disability insurance questions?
TDCI’s Consumer Insurance Services Team educates consumers and mediates insurance-related disputes. Call (615) 741-2218 or (800) 342-4029. Consumers who believe they were treated unfairly can file a complaint on TDCI’s website.
Does this article promise that a disability policy will pay a claim?
No. It restates TDCI’s May 13, 2026 consumer tips. Waiting periods, definitions of disability, benefit percentages, and exclusions vary. Informational only.
How does disability insurance relate to homeowners or auto coverage?
Different lines. Disability protects income; homeowners and auto protect property and liability. A household review can look at both without mixing the forms.
Where can someone request a free policy review locally?
Call 865-263-1400 or use asigtn.com/get-a-quote/. For TDCI CIS questions, use the state numbers above.
Seasons change. So should your coverage.
