Title: Individual disability income insurance
Headings: Individual disability income insurance
Individual disability income insurance
How long could you afford to live without a paycheck?
Did you know?
Do I need short term or long term disability insurance?
Buying your own individual disability insurance
Individual vs. supplemental disability income insurance
Factors that affect cost
How much disability insurance do you need?
Disability insurance calculator
Individual disability insurance features
Other types of individual disability insurance
Why you need disability income protection before you’re sick or injured
Keep student loan payments on track
Dealing with the unexpected
Protecting what matters
There when you need us
FAQs
How long do I need to have individual disability insurance policy before a claim is paid?
How much income is protected by individual disability insurance?
Can you keep your disability insurance if you change jobs?

Content: Individual disability income insurance
Individual disability income insurance
6 minute read
How long could you afford to live without a paycheck? You rely on your income to fund every aspect of your life. If you are like one of the millions of Americans who unexpectedly becomes unable to work each year due to illness or injury, the last thing you want to worry about is how to continue paying your bills without an income. A common misconception about disability income insurance is that its sole purpose is to cover against catastrophic events resulting from accidents. In fact, illnesses like cancer, depression, and multiple sclerosis far more often impact your ability to work and support yourself and your family. Individual disability income insurance is designed to protect your income if you cannot work due to illness or injury. Did you know? 90% of disabilities are caused by illness 1
10% of disabilities are due to injuries 1
1 in 4 of today's 20-year-olds will become disabled before retiring 2
Do I need short term or long term disability insurance? The biggest difference between short term and long term disability insurance is the period of time you’ll receive benefits if you’re unable to work. This period is called the benefit period.