Who is disability insurance for?
If you depend on the income you receive through work to pay your expenses, then you should probably consider disability insurance. It ensures that you can continue to receive partial income in the event that you end up too sick or injured to work.
How does disability insurance work?
Most disability insurance pays you a percentage of your income if you get sick with a serious illness or experience an injury that prevents you from doing your job. Some cover you in the short term immediately after an incident, while others pay you if your injury lasts for an extended period. You can also choose to purchase supplemental disability insurance, which provides extra income on top of your other disability policies.
Why should I consider disability insurance?
Accidents happen, and we can’t always anticipate if or when we’ll be diagnosed with an illness, condition, or injury, which is why it’s important to have a disability policy that will help you pay your bills in the event that you can’t collect your normal paycheck from work.
Being disabled doesn’t mean one is unable.
Meet Dr. Feranmi Okanlami. After suffering an unexpected accident, his disability insurance helped him continue to pursue his dream, while also opening up new avenues for him to find success. Watch his story to find out more.
What are the benefits of disability insurance?
Here are the types of disability insurance we offer
Want some help figuring out the right disability insurance policy for you?
Connect with local financial representatives who can help you figure that out.
Are you an employee? Employees, contact your employer.
Are you an employer? Employers, talk to your broker.
Are you a broker? Offer your clients a disability insurance program.
Have questions? Here are resources to help you learn and compare.