Disability Income Insurance
What Disability Income Insurance Can Help Cover:
✅ A portion of your regular income
✅ Commissions and bonuses
✅ Retirement plan contributions
✅ Mortgage or rent payments
✅ Household bills and living expenses
✅ Childcare or tuition costs
✅ Medical costs not covered by health insurance
What Is Disability Income Insurance?
Disability insurance (also called DI) helps replace a portion of your income if you’re too sick or injured to work for an extended period of time. It can cover salary, bonuses, commissions—even retirement contributions.
Even if you have coverage through your employer, most group plans only replace a portion of your base salary—and may not be enough to fully protect your financial lifestyle.
Why Do I Need It?
Your Income Powers Everything. Your ability to earn an income is one of your greatest assets. It supports your lifestyle, your family, and your future.
But what if you were suddenly too sick or hurt to work?
Would you still be able to cover your mortgage, car payments, utilities, and day-to-day expenses?
If you rely on your income, you need to protect it.
Disability income insurance helps ensure your finances stay on track—even when life doesn’t.
Will I use it?
You might be surprised—1 in 4 people in their 20s will experience a disability before retirement, according to the Social Security Administration.
And it’s not usually due to an accident.
Most long-term disabilities are caused by illness—things like arthritis, back pain, heart conditions, and neurological issues.
Even temporary time away from work can disrupt your finances. A properly structured disability income insurance policy helps protect your income and your lifestyle when the unexpected happens.