Whether you fix roofs or fill cavities, your source of income matters. And you have a right to continue earning it if injury or illness prevents you from working.
Get StartedPercent of Americans who will experience a disability in their careers before retirement (U.S. Social Security Administration, Fact Sheet, 2018)
Percent of long-term disabilities that result from illnesses rather than accidents (Council for Disability Awareness, 2018)
Percent of working Americans that couldn't make it a month without a paycheck before experiencing financial hardship (Life Happens survey, 2018)
Disability insurance protects your income if injury or illness limits your ability to work. Also known as disability income insurance and income protection insurance, it can replace a portion of your earnings while you are disabled.
Individual disability insurance protects you and your source of income from injury and illness. This type of income protection is also commonly referred to as private disability insurance and personal disability insurance.
Long-term disability insurance is a form of income protection that is designed to cover serious ailments that may last several months or even years. Permanent disabilities are also covered by long-term disability insurance.