You insure your home and your cars, so why not your ability to earn a living? That’s what disability income insurance does. We can help you customize coverage to your specific needs and your budget.
Disability Income Insurance
You work hard for your paycheck. It doesn't just cover the costs of daily living - it's an important tool for building the future you want for you and your family.
But what happens if a sickness or injury prevented you from working? Your ability to earn an income is your most important asset, and that’s where disability income insurance comes in.
What is disability income insurance?
Think of disability income protection as insurance for your paycheck. When an extended sickness or injury keeps you from earning an income, a disability income insurance policy can help cover a portion of what you earned until you’re able to return to work.
Though your employer may offer a limited amount of group long-term disability insurance, many find it’s not enough to cover important expenses or keep their financial strategy on track.
Disability Income insurance can help you:
Maintain your lifestyle
Disability Income protection can help fill the gap so you can help pay your mortgage, utilities, groceries, gas, and life’s other expenses.
Protect savings and avoid debt
Health insurance may cover the bulk of the costs, but Disability Income protection can help you avoid depleting savings or increasing credit card debt when paying deductibles, copays and other expenses that add to budget strain.
Keep goals on track
With the right coverage in place, you can continue to save for important goals – like planning for retirement, or helping children go to college.