Life & Health Insurance
Disability Insurance
Disability insurance replaces a portion of your income if you become unable to work due to an illness or injury. For most working adults, their ability to earn a living is their most valuable financial asset — and yet many people overlook disability coverage entirely. A serious health event, an accident, or a chronic condition can remove your income for weeks, months, or even years. Short-term disability covers temporary inability to work; long-term disability provides income replacement for extended periods, sometimes through retirement age. Together, they form a critical layer of financial protection for anyone who depends on their paycheck.
What Disability Insurance Can Help With
Coverage options vary by carrier and situation. A licensed agent can explain what applies to your specific needs.
Income replacement — typically 60–70% of your pre-disability income
Coverage for short-term injuries and illnesses during a recovery period
Long-term coverage for serious conditions like cancer, heart disease, back injuries, or mental health conditions
Continuation of essential living expenses — mortgage, utilities, groceries, and childcare
Own-occupation coverage for professionals who can no longer perform their specific job
Coverage for self-employed individuals who have no employer-sponsored disability benefit
Who Often Explores Disability Coverage
Every situation is unique — a licensed agent can help you decide whether this coverage makes sense for you.
Working adults who depend on their income to support themselves or their family
Self-employed individuals and business owners with no group disability plan
Professionals in physically demanding careers or specialized fields
Anyone who has dependents, a mortgage, or financial obligations that require sustained income
People whose emergency fund would not sustain them through a long-term disability
Frequently Asked Questions
Have more questions? A licensed agent is ready to help.
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Coverage options vary by carrier and state. A licensed agent can explain details and availability.
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