Disability
Insurance
Help protect your paycheck.
Imagine this: you're unable to work due to a sudden injury or illness. How would you support yourself and your loved ones? Disability insurance offers the coverage you need, helping ensure your financial well-being and helping secure your future in the face of a covered disability.
Why Do You Need Disability Insurance?
People insure their homes, cars, and other important assets in case of an emergency, so why not get coverage to help protect your income?
Many people don't realize how likely it is to experience a disabling injury or illness that could leave them without a paycheck. No one wants to dwell on the possibility of becoming disabled, but the truth is that it can happen to anyone at any time, regardless of age, health, or profession. And the financial impact can be truly devastating.
46%
working-age people with disabilities say their debt is unmanageable.1
90%
of people with disabilities were not financially healthy in 2023.2
10yrs
of savings could be wiped out after one year of being totally disabled.3
To put it simply, living without disability insurance could be like sailing without a life jacket.
Help Protect Your Income
Dealing with the fallout of an illness or injury is stressful enough without worrying about lost wages. With disability insurance, you could receive a benefit if you are diagnosed and under the care of a physician with an unexpected covered illness or injury.
Here's how it works:
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Busting Myths
Can you debunk these common misconceptions about disability insurance? Select the card to see the truth behind each misconception.
Help Secure Your Rising Salary
It's important to remember that your disability benefits are based on your salary at the time you purchased your policy and don't automatically increase as your salary increases. As your salary increases and your financial needs change, it’s important to evaluate—and consider increasing—your benefit amount to ensure you have the right coverage for your salary and situation.
Learn more about increasing disability coverage
Where are you in your journey?
Disability insurance may provide a financial benefit if you are diagnosed by a physician with an unexpected covered illness or injury.
Learn from the examples below to see how disability coverage may benefit you at every stage.
Map out your financial wellness journey.
Life is unpredictable, but preparing for the unexpected can help. Speak with your account manager to learn more about disability insurance. Check out our Financial Goal Compass, a helpful tool for outlining your financial goals. Download it, fill it out, and bring it to your meeting with your account manager to discuss your specific needs.
Download the Financial Goal Compass