Futureproofing Your Income
The role of disability insurance in financial wellness
Many Americans are not financially prepared for income loss during an illness or injury. Disability insurance helps protect income.
Income is essential to a household's finances and is closely linked to overall well-being. And, along with many things that are innately important to people — health, home, and family — income is worth protecting.
73% of workers feel they have not completely recovered financially from their most recent disability leave.
For a variety of reasons that range from a lack of understanding to a lack of employer-subsidized availability, however, workers don't protect their income at the kind of rates they protect their medical health, oral health, or their end-of-life circumstances. In fact, ownership has been dropping steadily. In 2025, only 43% of working Americans owned disability insurance.
Download the report
Guardian’s 2023 disability insurance report can be found here Download