If an injury or illness prevents you from working, how will you replace your income? Disability insurance ensures you can maintain your standard of living and cover essential expenses—even if you can’t work temporarily or long-term.
Why Disability Insurance is Essential
More than 1 in 4 people will experience a disabling condition before retirement age. Without a steady paycheck, financial hardship can set in quickly.
Replaces lost income if you’re unable to work
Helps cover medical bills and daily living expenses
Prevents reliance on savings or family support
Ensures mortgage and loan payments stay on track
Types of Disability Insurance
Short-Term Disability Insurance
Covers temporary disabilities lasting a few months
Provides partial wage replacement (typically up to 60%)
Ideal for recovery from surgeries, injuries, or pregnancy leave
Long-Term Disability Insurance
Covers serious disabilities lasting months to years
Provides income replacement to support financial obligations
Often included in executive compensation and business benefits
