About Us Contact Us
Life Overview
Term Life
Whole Life
Survivorship Life
Universal Life
Mortgage Protection
Final Expense
Disability Income

Disability Income

Disability Income Insurance can help protect your most valuable asset - your ability to work and earn income. Insuring your earning potential is as important as insuring your life, health, house or car. If you or your family depend on your monthly income to pay for your mortgage or rent, utilities, car payments, medical and other monthly bills, then you should consider having a Disability Income Insurance. When you can't work due to injury or illness, Disability Income Insurance will provide your family monthly cash benefit to replace a portion (usually 50-70%) of your income. It will help you and your family to maintain your standard of living,

Your chance of being disabled at some time during your working career is probably higher than you think. According to the Social Security Administration's Disability Benefits brochure, a 20 year old worker has a 3-in-10 chance of becoming disabled before reaching retirement age.


Many people believe that Social Security will replace their income if they become disabled. But not everyone who becomes disabled qualifies for Social Security disability benefits and for those who do qualify it doesn’t take care of everything.


Disability Income Benefits Include*:

  • Total disability – If you are unable to perform majority of the duties of your occupation full-time, you will receive monthly benefit after your waiting period has been met. Monthly benefits are usually paid for a fixed period of time - 2 years, 5 years, to age 65, or for the rest of your life, while your disability continues
  • Partial disability - If you are unable to work full-time or perform as many employment duties as you generally do due to sickness or injury, you will still receive a portion of your total disability benefit
  • Presumptive disability  - If your disability involves the permanent loss of your hearing, speech, sight or limbs, you will receive benefits up to age of 65
  • Rehabilitation - If you’re participating in an approved on-the-job program, trial work program or other rehabilitation program designed to help you return to regular employment, you will continue to receive disability benefits while in training


Although no one likes to think about the possibility of becoming disabled, planning for the unexpected today will help ensure financial security for tomorrow for you and your family.

To learn more about Disability Income Insurance, fill out the “Get a Free Quote” form above or call us at Toll Free number (888) 592-7862 and one of our agents will help you find the right insurance for you and your family.


*Information is for illustration purposes only. For full details, please refer to your policy or speak to one of our agents.


SSA Publication No. 05-10029: www.ssa.gov/dibplan/index.htm