Disability Income Insurance

Your health allows you to do many things, including earn an income and take care of your household. But what would happen if you got too sick or hurt to work?

Take time now to create a strategy that includes disability income insurance. It can be a blessing by helping to protect your future income.

Take the next step. Let's Connect.

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Stay-at-home spouse?

Just a few insurers offer disability protection to spouses who stay home and keep their households running. Find out if yours is one of them.

Could it happen to you?

While it's impossible to predict the future, it's estimated that 1 out of 4 of today's 20-year-olds will become disabled before they retire1.

Covered through work?

Due to benefit caps and taxable disability benefits, your employer's group plan may only cover as little as 48%2 of your paycheck. Would that be enough if you couldn't work?

So now what?

Do your homework

Know what benefits your current disability income insurance provides – whether it's an individual contract or an employer group plan – and decide if they're enough to protect your lifestyle if you couldn't work. If you don't have any coverage, you probably need it.

Begin with the basics

Start building a personalized strategy by considering your waiting period (the amount of time before insurance coverage starts following a disability), the maximum amount you may need to be covered, and the monthly benefit amount you want your contract to pay.

Don't wait

You wouldn't go without health, auto or homeowners insurance. Why wouldn't you protect your income, which makes paying for your home, car and lifestyle possible?

With disability income insurance, you can:

  • Help protect your paycheck when you can't work for an extended period of time.
  • Own your coverage and take it with you, wherever your job may lead you.
  • Gain a sense of comfort – emotionally and physically as well as financially.

Member's Voice

"Without disability income insurance, we would have been in dire straits, and we're not high-on-the-hog people. The insurance helped maintain our standard of living."*