Disability Income Insurance, Protect Your Most Valuable Asset: Your Income
If you couldn't work for six months, could your family keep up the bills? Disability income insurance replaces a portion of your paycheck when illness or injury keeps you out of work.
Get a Disability Income QuoteThe Odds Are Not in Your Favor
More than 1 in 4 of today's 20-year-olds will become disabled before reaching age 67.
Yet most Americans insure their car and their house, and forget the one asset that pays for both: their ability to earn an income.
What Is Disability Income Insurance?
Disability income (DI) insurance pays you a monthly benefit if you become unable to work because of a covered illness or injury. The benefit replaces a portion of your lost income, typically 60% to 70%, so you can keep paying the mortgage, the groceries, and the bills while you recover. Individual DI is portable, own-occupation, and tailored to your income, unlike limited group coverage through an employer.
Own-Occupation Protection
A strong individual policy pays if you can't perform YOUR specific occupation, not just any job. This is the coverage that protects your career, not just your income.
Elimination Period = Your Choice
Choose how long you wait before benefits start (30, 60, or 90 days). A longer waiting period lowers your premium. Most people choose 90 days and fund the gap from savings.
Benefit Period That Fits
Pick benefits that pay for 2 years, 5 years, or until you reach age 65. Longer periods cost more but protect you through long-term conditions.
Riders to Customize
Add cost-of-living adjustments so your benefit keeps pace with inflation, or a residual disability rider that covers partial loss of income when you return to work part-time.
Cost Example
A $2,500/month benefit for a healthy 40-year-old professional typically runs around $100/month
That's roughly 1-3% of your income to protect up to 70% of it. Exact rates depend on your age, income, health, occupation, and the benefit period you choose.
Who Needs Disability Insurance?
- •Any working professional whose family depends on their paycheck
- •Small business owners and self-employed people with no group coverage
- •People who'd struggle to cover the mortgage for even a few months without pay
- •Doctors, lawyers, and other high-income earners protecting a large income
Not sure what you need? We'll walk you through it, no pressure.
Your Paycheck Deserves Protection
Compare individual disability coverage from 30+ top carriers and find a plan that fits your budget.
Get My Disability Quote