Disability insurance replaces a portion of your income if you are unable to work due to an illness or injury. More than half of the American workforce has no private disability insurance. Without insurance you may run out of the money you need to meet your financial obligations (mortgage, car, living essentials, education, dependents, retirement, etc.) in the event of even a short term illness or injury.
"This will never happen to me."
One-in-four of today's 20 year olds
will become disabled before age 67.
498 Americans become disabled
every 10 minutes.
One-in-seven employees can expect
to be disabled for 5 years or more before retirement.
Unexpected illness/injury causes
350,000 bankruptcies each year and
nearly 50% of all mortgage foreclosures.
You insure your assets like your car and home, but fail to protect the most valuable asset of all: yourself. Disability insurance can be acquired through an employer or individually. It can be acquired for relatively little cost compared to the cost of health insurance and will provide another level of protection and financial security.