Disability Income Insurance

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Your ability to earn an income is your greatest financial asset. According to the Social Security Administration, one in four 20-year-olds will experience a disability lasting at least 90 days before reaching retirement age. Most of these disabilities are caused by illnesses like cancer, heart disease, or musculoskeletal conditions — not accidents.

If you become disabled and unable to work, your policy pays a monthly benefit — typically a percentage of your pre-disability income — directly to you. You can use this money however you need:

• Pay your mortgage or rent
• Cover household bills and groceries
• Maintain savings and investments
• Continue paying for healthcare and insurance premiums

Unlike workers’ compensation, disability income insurance covers you both on and off the job and protects against illnesses as well as injuries.