Disability Insurance
What is Disability Insurance?
Disability insurance replaces income if you’re too sick or injured to work.
Disability insurance can supplement long-term disability coverage that you may have through your employer.

What are some Benefits of Disability Insurance?
- Disability Insurance replaces a percentage of base salary and regular bonus or incentive income.
- DI can cover retirement contributions and student loan payments.
- When you pay for this individual coverage with after-tax dollars, any benefit payments you receive are tax free.
- Your disability policy belongs to you even if you change jobs.
YOU CAN’T WORK. FORTUNATELY, YOUR COVERAGE WILL.
The most common myth about disability income insurance is that coverage is only used for rare, catastrophic accidents. The fact is, most people rely on the insurance to cover the income they’ve lost due to disabilities caused by conditions such as heart disease and arthritis. Be informed – protect yourself and your business.
HAVING RESERVATIONS ABOUT PURCHASING A DISABILITY POLICY?
Some Common Disability Insurance Myths Include:
DISABILITY INSURANCE RESOURCES

Disability Income Calculator
Disability insurance is often overlooked, but it can play a critical role in your overall financial plan. This calculator may help you better assess the your household's "sources and uses" of money, which is one place to start when considering disability insurance.

Disability and Your Finances
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

Can Group, Private Disability Policies Work Together?
Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.