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Disability Insurance

Disability income insurance provides benefits to help replace a portion of your income if you’re sick or injured and unable to work. It’s financial protection that helps you focus more on your recovery and less on how you’ll cover expenses.


  • 43% of all current 40-year-olds will have a disabling event lasting 90 days or more by the time they’re 65 (, 2018).

  • 25% 20-year-olds today will be unable to work due to an illness or injury for one year or more before retirement.

  • 3 years is the approximate average length of a disability absence from work.

  • There are Short Term and Long Term disability insurance.

  • Disability insurance benefits are usually tax-free if the premium is paid with after-tax dollars.

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