Disability Insurance

When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But it can happen. In fact, an individual’s chances of disability are 2 to 3 times greater than death during their working years. One in 3 working Americans will become disabled for 90 days or more before age 65.

What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn’t work for months – or years? The average disability absence is 2 and a half years.

You’d still have to pay all your monthly bills, including food, utilities and house and car payments. Add in things like tuition and retirement funding, and it’s easy to see how savings could quickly disappear. More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately. Unfortunately, you can’t rely on other income sources like Social Security to protect you. In many cases, they don’t apply -- or aren’t enough.