Disability Insurance

The Basics of a Disability Income Insurance Policy

You’ve worked hard to build a successful career. The income you earn supports your family, your financial goals, and your lifestyle. That’s why your income might be your most valuable asset – even more so than your house, car, or savings.

If you were sick or injured and unable to work, what kind of financial impact would the loss of your income have on your family?

Help Protect Your Income

Disability income insurance provides benefits to help replace a portion of your income if you’re sick or injured and unable to work. It’s financial protection that helps you focus more on your recovery and less on how you’ll cover expenses.

In addition to your income, here are some of the most important things in your life that disability income insurance helps protect:

  • Your home
  • Your retirement
  • Your family
  • Your personal savings
  • Your lifestyle


Critical Protection for You and Your Employees

In this situation, employers often ask employees to file for Social Security Disability benefits as soon as possible, which may help bridge the gap until they can return to work or find new employment. In some cases, however, an employer will offer to supplement their employees’ Social Security Disability benefits by providing them with a disability insurance policy, which is paid for by the employer.

Disability insurance can help provide additional financial security during times of injury or illness that prevents the employee from working, paying off medical bills, and supporting themselves or their families. It may also help make up for lost wages, providing a source of income beyond what employees receive from Social Security Disability benefits.

How to determine how much disability income insurance is right for you?

Calculate Your Expenses

You rely on your income to meet your financial needs. Your income helps pay the mortgage or rent and for everyday expenses like groceries, gas for your car, or for childcare services.

Determine the Length of Your Benefit

You might want disability income insurance coverage to last for 6 months or to your retirement age.

If you’re searching for more information on disability insurance, our expert team is standing by to help. Contact us for a free quote today.

Start Your Benefit

You can choose when your disability benefits would begin – from 30 days to 730 days after a disabling event.


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