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Disability income insurance

Your paycheck is your livelihood. Disability income insurance protects it.
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  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
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How it works
Disability income insurance replaces a portion of your income if you get sick or hurt and can’t work for an extended period of time. The premiums you pay secure you a monthly benefit amount for a set term or until you can return to work. If you’re ever unable to work due to an illness or injury, disability income insurance can:
  • Replace income.
  • Help you retain your savings.
  • Help you pay expenses.

Who disability income insurance helps protect

If you become unable to work due to illness or injury, disability income insurance provides a steady source of income so you can focus on your health and take care of your family.
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Individuals

Workers’ compensation only protects you if your disabling illness or injury is job-related. If your employer doesn’t offer other disability benefits, disability income insurance can provide valuable security and protection.
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Employees with coverage

An individual disability income insurance contract can help maintain your family’s quality of life by bridging the gap between what’s covered by your employee benefits and the remainder of your wages. It can even follow you if you change jobs.
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Stay-at-home spouses

Thrivent is one of the few insurers that covers people who stay home to care for their families1—something we recognize as valuable hard work. Coverage can help pay for childcare, housekeeping and other responsibilities.
Line drawing of figure head and bust

Individuals

Workers’ compensation only protects you if your disabling illness or injury is job-related. If your employer doesn’t offer other disability benefits, disability income insurance can provide valuable security and protection.
Person holding a briefcase walking up the stairs

Employees with coverage

An individual disability income insurance contract can help maintain your family’s quality of life by bridging the gap between what’s covered by your employee benefits and the remainder of your wages. It can even follow you if you change jobs.
3 people holding hands with a heart over them

Stay-at-home spouses

Thrivent is one of the few insurers that covers people who stay home to care for their families1—something we recognize as valuable hard work. Coverage can help pay for childcare, housekeeping and other responsibilities.
Free learning tool
Disability income insurance calculator
Could an illness or injury hurt your income? Find out how much insurance you’d need to help you and your loved ones maintain your finances—and your quality of life.
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Protect what matters
Without disability income insurance coverage, an accident, illness or injury could put your financial stability at risk.

Do you need disability income insurance?

While you’re in good health, it may be hard to think about being unable to work. But the chances that you’ll miss work due to a long-term or permanent illness or injury are greater than you may realize. In fact, just over one in four of today’s 20-year-olds will become disabled before reaching age 67.

Read more to discover the common questions you should ask when determining if disability income insurance is right for you.

Frequently asked questions

Disability income insurance can give you the time you need to recover or make other arrangements. If you’re trying to determine whether disability income insurance is right for you, here are answers to some common questions.
What happens if I don't have disability income insurance?
The short answer is, you put your financial stability at risk. If you can't work due to illness or injury, you’ll have to keep up with your financial obligations without a paycheck. Also, on top of regular expenses like mortgage payments and credit card bills, you may now have medical bills too. If physical therapy, medicine or other treatments are needed, you could go through your savings in a short amount of time.
Is my employer group disability insurance coverage enough?
How much is enough is a personal decision, but consider this: Group long-term disability income coverage can replace around 60% of your income, on average—before taxes. The benefits you receive may be taxable if your employer covers the premium, and that lowers the amount you would receive. It could leave a significant gap compared to your pre-disability income. Adding individual disability income insurance would allow you to protect up to 75% of your income.
Does Social Security provide disability benefits?
Yes, if you become disabled, Social Security benefits may be available, but qualifying can often take time. Many applications for Social Security disability benefits are denied at first, and it could take up to two or three years to complete an appeal. When approved, benefits can be paid to the disabled person and their dependents. The benefit amount is determined by your salary and work history; the average monthly payment is $1,277.
What does disability income insurance cover?
Serious health conditions and long-term illnesses, as well as accidental injuries, are covered by disability income insurance. Preexisting conditions or certain occupations or situations that may be excluded from coverage will be detailed in your contract. You can designate how long you want benefits paid: 12 months, 24 months, 60 months, 10 years, or until age 67. You also can decide if you want your contract to pay out a portion of benefits if you’re partially disabled.
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Get in touch with a Thrivent financial adviser to discuss how disability income insurance can help you be better prepared for whatever life brings.
1Coverage for stay-at-home spouses not offered in all states.

The members’ experiences may not be the same as other members’ and do not indicate future performance or success.

If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.

Disability income insurance contracts have exclusions, limitations, reductions of benefits, and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.
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