Disability Insurance

Voluntary Disability Income insurance replaces part of your paycheck when you are disabled and unable to work. It can help you meet financial obligations when you don’t have a paycheck coming in.

What’s more, your disability insurance benefits are yours to use any way you want. Use them to help with:

  • Rent or mortgage
  • Credit card and automobile payments
  • Child care and housekeeping
  • Medical insurance copays and deductibles

Bottom line: Disability Income insurance helps protect your financial future by going to work when you can’t.
It’s that simple.

Why do you need it?

Take a moment now, to think about life as you know it. Then ask yourself this:

  • If you get sick or hurt off the job, how would you manage life without a paycheck?
  • How long could you go without a paycheck?
  • Would you be able to pay your mortgage or rent?
  • Could you afford the new expenses that come with disability?

Think about it

  • 75% of Americans live paycheck to paycheck.1
  • Unexpected illness and injury cause 350,000 personal bankruptcies each year.2
  • More than 70% of American households rely on two incomes to make ends meet.3

Benefits may vary by state, may not be available, or may be named differently. Please refer to the policy/certificate for exact terms, conditions, exclusions, limitations and reductions.
1 “76% of Americans are living paycheck-to-paycheck”. CNNMoney. June. 2013.
2 Council for Disability Awareness, 2009
LIMRA’s life insurance consumer studies, 2010 Disability Insurance Awareness Month