Protect Your Income When Life Takes an Unexpected Turn

Your ability to earn an income is one of your most important financial assets. If an illness or injury keeps you from working, disability insurance can help replace a portion of your income so you can continue covering everyday expenses while you focus on recovery.

According to the Social Security Administration, more than one in four 20-year-olds may experience a disability before reaching retirement age.

How Disability Insurance Can Help

Disability insurance is designed to provide ongoing income when a covered illness or injury prevents you from working.

It may help you continue paying for things like:

• Mortgage or rent
• Utilities
• Groceries
• Insurance premiums
• Other everyday expenses

Disability coverage is different from accident insurance, which may provide a one-time payment after a covered injury. Depending on your needs, the two types of coverage may work together.

What to Consider

Disability insurance policies can vary, so it is important to understand a few key features:

• Elimination period: How long you must wait before benefits begin
• Benefit period: How long benefits may be paid
• Definition of disability: How the policy determines whether you qualify for benefits
• Benefit amount: How much of your income the policy may replace

Coverage Designed Around You

Our team can help you review your options and find coverage that fits your income, occupation and financial needs.

The goal is simple: help you stay financially prepared, even when the unexpected keeps you from working.