What is Disability Insurance?
Disability insurance provides a monthly benefit (income replacement) if you’re unable to work due to illness, injury, or accident.
It can cover short-term (a few months) or long-term (years or until retirement) disabilities.
Benefits typically replace 50–70% of your income, helping you maintain your lifestyle while you recover.
Why You Should Consider Buying It
Your Income Is Your Most Valuable Asset
Most Disabilities Aren’t From Accidents
Employer Coverage May Be Limited
Prevents Financial Hardship
Peace of Mind
Your Income Is Your Most Valuable Asset
- Everything you pay for—your home, bills, savings, retirement—depends on your ability to earn.
- Disability insurance helps you protect that income stream if you can’t work.
Most Disabilities Aren’t From Accidents
- Many are caused by illnesses like cancer, back problems, heart disease, or mental health issues—not just injuries.
Employer Coverage May Be Limited
- Work-provided disability insurance often doesn’t fully replace your income and may end if you leave your job.
- An individual policy stays with you, no matter where you work.
Prevents Financial Hardship
- Without income protection, even a short period off work can quickly drain savings or force debt.
- Disability insurance keeps you financially stable during recovery.
Peace of Mind
Get peace of mind and protect your earnings with a quick disability plan review.
- Knowing your income is protected allows you to focus on getting better, not on how to pay the bills.
Disability insurance protects your ability to earn a living, which is the foundation of all your financial goals. It’s worth considering if you rely on your paycheck—and most people do.
