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Discover how disability income insurance protects your ability to earn an income if you’re too ill or injured to work, so you can focus on your recovery instead of worrying about your finances.

Bridge the (Paycheck) Gap

One Less "What If?"

You insure your home. Your car. Your personal property.

It makes sense to insure the one asset — your ability to earn an income — that makes your lifestyle and all of those things possible. That’s one less “what if?” in your life.


At A Glance:

of today's 20-year-olds will become disabled during their working years.1

of Americans say protecting their family financially is a priority if they become unable to work or die.2

is the average duration of a long-term disability claim.3

of Americans completely understand disability income insurance.4

of today's 20-year-olds will become disabled during their working years.1

At a Glance: Risk, 1 in 4 of today’s 20-year-olds will become disabled during their working years.1

When the Unexpected
Becomes a Reality

Disability happens to more people, more often than you may think, and it lasts longer, too. Surprisingly, more long-term disabilities are caused by illness than by injury.5

Common causes include:

  • Muscle, back and joint disorders, such as arthritis
  • Nervous system disorders, such as multiple sclerosis
  • Cardiovascular and circulatory diseases, including stroke and heart attack
  • Cancer, including breast, prostate and leukemia
  • Common mental disorders, such as depression

Disability Income Insurance Myths vs. Facts


I’m careful. I won’t need it.


Almost 90% of long-term disabilities are caused by common illnesses — not injuries or catastrophic accidents.6


It’s too expensive.


Not all disability income insurance is the same. Quality matters. You need a plan that spans your real needs and is always dependable.


Coverage from my employer
is enough.


Disability coverage provided by or purchased through your employer is a good start, but it typically replaces only about 40 to 60 percent of your income.


I'm too young to worry about it.


Many debilitating diseases strike the young. Rheumatoid arthritis, severe depression, Huntington’s Disease and MS tend to occur before age 45.


My savings will cover me.


The average long-term individual disability claim is 31.2 months.7 That’s over two and a half years. A disability lasting a year or more could deplete your savings and make other long-term goals, such as retirement, virtually unreachable.

Get the Facts About Income Protection

When it comes to selecting the right protection for you, what you don't know can hurt you.

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Check out our resources to learn more about how disability income insurance can protect your income — and ultimately you and your loved ones — to help you live more confidently.

View Resources

Personalized Protection

The best policy is the one that fits you.

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Sit down with a financial professional who can:

  • Identify your most important savings goals and determine if your existing coverage is enough
  • Show you the lifetime value of your earning power
  • Present a range of options to personalize your protection
  • Explain the tools that can help to protect your greatest asset — your income

Video: Power Through Protection

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Video: Power Through Protection

Find out how Dr. Feranmi Okanlami regained his life and career following a catastrophic injury with the help of an excellent disability insurance plan.

Watch his story 3:55
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