Disability Income Insurance is protection for your income in the event you become disabled and can no longer work.

    Key Benefits of Disability Income Insurance

  • Can provide coverage based on job specialty
  • Affordable premiums, typically 1.5% to 3% of gross income
  • Supplements your income
  • Option to buy riders and other features
  • Short term or long term policies available
  • Protects your paycheck and lifestyle

Disability Income Insurance

Protect your paycheck when facing the unexpected


What would happen if you got injured and unable to work, or were sick for several months and had no income to rely on? If you had disability income insurance, you would be receiving a monthly benefit until you could return to work. Disability income (DI) insurance protects your paycheck so you and your family can continue maintaining your standard of living even when you are sick or injured.

One of the biggest myths about disabilities, according to LIMRA, is that disabilities only occur after serious accidents. The truth is that many people become disabled because of chronic back issues or muscle pain. Consider that more than 50% of over 37 million Americans classified as disabled are still in their working years (18 to 64 years of age), according to the U.S. Census Bureau.

Being unable to work and dealing with rising medical costs makes having some type of insurance protection more important than ever. Any Social Security benefits are paid in addition to your disability income insurance benefits so you will be financially secure until you are able to earn an income again.

    Should I buy Disability Income Insurance?

    You should consider Disability Income Insurance if you:

  • Want to protect your paycheck and lifestyle
  • Live in a single-income household
  • Want to stay independent
  • Have a very high income you want to protect
  • Earn more than $200,000 a year and do not have an employer-paid plan
Injured on the job. Income protected.

How Disability Income Insurance Works


You will receive disability income benefits when you meet the definition of total disability or partial disability defined by your insurance company. In most cases, partial disability is when you are unable to perform essential tasks of employment or have to reduce your hours (and compensation) significantly because of your disability. Total disability is when you cannot perform any basic duties of you job and at the end of a specified period outlined in your policy.

Many disability policies include a waiting period that range anywhere from 90 to 365 days before you can receive income replacement benefits, depending on the policy. You need to consider the waiting period and also the length of the benefit period — the length of time you will receive benefits — which can range anywhere from one year to five or more years, when shopping for a policy. Many companies offer short term or long term policies and some policies also include other features that provide additional monetary benefits.

Funding dreams even after a health scare


When these newlyweds were purchasing their first house, they discovered that long-term disability insurance coverage would help them protect their future in the event someone was unable to work. When Cindy had a stroke and underwent surgery for an aneurysm, she was out of work for almost eight months. Find out how Cindy’s disability policy allowed her to have an income to buy their dream home.

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