Disability Income Insurance
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Add a layer of protection to your income with disability insurance.
The Importance of Disability Insurance
Planning for the Unexpected
- Your income provides the means to pay your bills.
- You insure your valuable assets.
- Insuring your income means protecting your most valuable asset.
Know the Facts
What Can Be Done?
Government Benefits
Social Security
- Usually for permanent, catastrophic disabilities
- Difficult to obtain
- Averages about $1,000 per month
Basic Protection
Group Disability Coverage
- May be offered by your employer
- Is not portable so coverage is lost if you leave the company
- Typically taxable, which reduces benefits to around 40% of income
- Usually does not provide coverage for bonuses or commissions
Robust, Customizable Protection
Individual Disability Income Insurance
- Individual and supplemental coverage options
- Stays with you wherever you work
- Tailored to you and how you earn your income
- Can pay benefits even if you’re still able to work part-time
- Helps cover the gap left by basic coverage
1 Source: Social Security Administration Fact Sheet, December 2019.
2 Source: Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability.
3 Source: Guardian’s Living Confidently Survey, 2017.
4 Source: Pew Charitable Trusts, Americans’ Financial Security, March 2015.