Did you know that 1 in 3 working Americans will be at least temporarily disabled and unable to work at some point during their lives? Disability Income coverage protects against the financial devastation that such situations impose. Protection is available for short-term and long-term windows, enabling it to be customized to each individual’s budget and risk profile. Disability Insurance is also very inexpensive, making it one of the most under-purchased insurance products on the market.
Disability Insurance is not designed to replace your income, but rather to replace a portion of it so injured workers can keep a roof over their head and food on the table. Many people don’t realize that Disability Insurance applies to injury/sickness from many more causes than on-the-job incidents. For example, an injury arising from a car accident on the weekend completely separate from work would still trigger coverage.