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

1 in 4 20-year-olds will become disabled before they retire.1
Almost 90% of long-term disabilities are caused by illnesses.2
83% of Americans prioritize protecting their families if they couldn't work, yet only 23% understand disability insurance.3
71% of Americans worry about not having enough money to cover regular expenses.4

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.