Your paycheck is your most valuable asset. Protect your income and financial future with disability insurance that replaces your wages if injury or illness prevents you from working.
Disability insurance provides income replacement if you become unable to work due to illness, injury, or medical condition. It pays a percentage of your regular salary (typically 50-70%) directly to you while you're unable to work.
Think of it as paycheck protection. While health insurance covers medical bills, disability insurance covers your mortgage, groceries, car payments, and all your other living expenses when you can't earn your regular income.
Monthly disability benefit:
Total benefits ( months):
This is the income you'd receive while unable to work
Choose between short-term and long-term disability insurance, or combine both for comprehensive income protection.
Covers temporary disabilities
3 to 6 months (some policies up to 2 years)
0 to 14 days (benefits start quickly)
50-70% of gross income
1-3% of annual salary
Covers serious, long-lasting disabilities
2, 5, 10 years, to age 65, or lifetime
90 to 180 days (STD often covers this gap)
50-70% of gross income
1-3% of annual salary
Most financial advisors recommend having both short-term and long-term disability insurance. Short-term covers you immediately, then long-term takes over for extended disabilities.
Understand the differences between employer-provided group coverage and individual policies.
Stays with you if you change jobs or become self-employed
Can insure up to 80% of income (vs 60% for group)
Benefits if you can't perform your specific job
Rates locked in, can't be cancelled
Since you pay premiums with after-tax dollars
Often partially or fully employer-paid
No medical exam required for basic coverage
Lose coverage when you leave your job
Typically caps at 60% of income, with monthly maximums
If employer pays premiums, benefits are taxable
Not all disability policies are created equal. These features significantly impact your protection.
Pays benefits if you can't perform the duties of your specific occupation, even if you can work in another field.
Highly recommended for professionals
Only pays if you can't perform the duties of ANY occupation for which you're reasonably qualified by education or experience.
More restrictive, harder to qualify for benefits
Insurance company can't cancel your policy, raise your rates, or change your benefits as long as you pay premiums.
Best protection available
Pays reduced benefits if you can work part-time or earn less than your pre-disability income due to your condition.
Important for gradual return to work
Increases your benefit amount annually (typically 3%) while you're receiving benefits to keep pace with inflation.
Essential for long-term disabilities
Allows you to purchase additional coverage later without medical underwriting as your income grows.
Great for young professionals
If you depend on your paycheck to pay bills, you need disability insurance.
Workers will experience a disability lasting 90+ days before age 65
The average long-term disability lasts 2.5 years
Of disabilities are due to illness, not accidents
Your ability to earn income is your most valuable asset. Don't leave it unprotected. Get a free disability insurance quote and secure your financial future.
Have questions? Our insurance professionals are here to help you understand your options.