Disability Insurance Basics

Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work? The ability to earn a living is far and away most people's largest "asset." Learn how to protect your income.

Get a Disability Insurance Quote ->

1 in 4

Workers will become disabled before retirement

90%

Of disabilities are caused by illness, not accidents

34.6

Average months a long-term disability claim lasts

Your Income Is Your Greatest Asset

You insure your home, your car, and your health. But what about your ability to earn a living? Your income funds everything else in your life.

Pay Your Bills

Keep up with mortgage payments, utilities, and daily expenses even when you can't work.

Support Your Family

Continue providing for your loved ones and maintain your family's standard of living.

Protect Your Savings

Avoid depleting your retirement savings or emergency fund during a disability.

Types of Disability Coverage

Understanding your options helps you build comprehensive income protection.

Short-Term Disability

Provides income replacement for a limited period (typically 3-6 months) after a short waiting period. Ideal for covering temporary disabilities.

Shorter waiting period (0-14 days)
Coverage Benefits last 3-6 monthsspecific time periods
Covers temporary disabilities
Bridge to long-term coverage

Long-Term Disability

Provides extended income protection for serious disabilities that prevent you from working for months or years. Essential for protecting your long-term financial security.

Longer waiting period (30-180 days)
Benefits can last years or to age 65
Covers serious, extended disabilities
Protects your lifetime earning potential

A Real Story: The Rider Family

Scott Rider's healthy life changed when he was diagnosed with Parkinson's disease at just 47. The cognitive and physical limitations caused by the disease meant he had to give up the profession he loved.

Fortunately, he purchased disability insurance when he was just starting out and increased it as his salary grew, which enabled him and his family to maintain the lifestyle they've always known.

Thanks to disability insurance, the Rider family was able to maintain their lifestyle despite Scott's inability to work.

Get a Disability Insurance Quote ->

Frequently asked questions

Disability insurance replaces a portion of your income (typically 50-70%) if you become unable to work due to illness or injury. It covers both physical and mental health conditions that prevent you from performing your job duties.

Workers' compensation only covers injuries that occur on the job. However, most disabilities are caused by illnesses or off-the-job accidents, which workers' comp doesn't cover. Personal disability insurance fills this gap.

Most policies replace 50-70% of your pre-disability income. Consider your monthly expenses, existing savings, and other income sources when determining the right amount. We can help you calculate the coverage you need.

'Own occupation' pays benefits if you can't perform your specific job, even if you could work in another field. 'Any occupation' only pays if you can't work at all. Own occupation coverage provides stronger protection, especially for specialized professionals.

Protect Your Most Valuable Asset

Don't wait until it's too late. Get a free quote today and learn how disability insurance can protect your income and your family's future.