Disability Insurance Protect Your Income

Your Greatest Asset Is Your Ability to Earn

Most people insure their homes, their cars, and their health—but overlook their single most valuable asset: their income. The reality is sobering: 1 in 4 workers will become disabled before retirement, and the average disability lasts over two years.

Without disability insurance, an injury or illness could wipe out your savings and threaten your family’s financial future. We help you find the right coverage to keep your income flowing even when you can’t work.

Types of Disability Coverage

Key Features to Look For

Not all disability policies are created equal. Here are the most important features to understand when comparing coverage:

Own-Occupation vs. Any-Occupation

Own-occupation pays benefits if you can’t perform the duties of your specific occupation. Any-occupation only pays if you can’t work any job for which you’re qualified. Own-occupation is the gold standard for professionals.

Elimination Period

This is the waiting period before benefits begin. Common options range from 30 to 180 days. A longer elimination period means lower premiums but a longer wait for benefits.

Benefit Period

How long benefits are paid—from 1 year all the way to age 65 or lifetime. The longer the benefit period, the higher the premium.

Residual Disability

This feature pays partial benefits if you can return to work but earn less due to a disability. Essential for professionals who may need to transition back gradually.

COLA Rider

A Cost-of-Living Adjustment rider increases your benefit over time to keep pace with inflation. Highly recommended for long-term disability policies.

Frequently Asked Questions