Disability Income Insurance

“You know those people who are like, it won’t happen to me? I always said that…until I started feeling weird and couldn’t figure out why. It wasn’t Covid or anything. But I had tingling in my hands and feet for a few weeks, and figured it would go away if I took it easy. It didn’t.

A few weeks later, I could barely walk and then had trouble breathing.

When I went to the emergency room, they had to keep me overnight to try and figure out what was happening. My doctor diagnosed me with Guillain-Barre syndrome. Who’s ever even heard of that? I had to have immunoglobin therapy and all kinds of blood therapy to get things back to normal. And that treatment knocked me out, let me tell you. I could barely walk for weeks. There was no way I’d have been able to work.

But I had a disability insurance policy, thanks to my insurance agent who recommended one after I bought life insurance. It didn’t cost very much, about $40 per month, so I figured why not get it. I never thought I’d have to use it! Take it from me. Get the policy – you’re better safe than sorry.”
–Tana G.

When you think about being unemployed, you probably imagine a situation like a layoff. Or maybe quitting one job to take a better one. But there’s another scenario you probably haven’t considered: experiencing a disability. Now, in addition to paying all the regular bills, you also have new expenses caused by your sickness or injury. Physical therapy, transportation, in-home help, new job training…it all adds up. In fact, as many as 62% of bankruptcies in the U.S. stemmed from medical expenses.*

Disability income (DI) insurance pays you if you can’t work due to a qualifying disability. Your policy will replace your income up to a percentage of your old salary, usually 60% or 65% (it varies by state). That money can keep a roof over your head and food on the table while you heal, adjust, or make a transition.

One great benefit of an individual disability policy is that you can transition to a different type of work and still get paid. This isn’t the case with government disability benefits, for example. Let’s say your job requires you to use your right hand. But if you suffered a disability and could no longer use that hand, what would you do? With a DI policy, you could get a job that only required you to use your left hand – and your policy would keep paying you for that right-hand disability.

People with disabilities represent the largest minority in the world. About 15% of the world’s population^ will experience some kind of a disability - making it a 1 in 6.6 chance you’ll need this policy.

Why worry about what might happen…when you can protect yourself and move on with confidence?