Disability Insurance
Protect your paycheck when illness or injury prevents you from working
1 in 4
Workers become disabled
2.5yr
Average disability duration
90%
Due to illness, not injury
35%
Social Security approval rate
For most people, their ability to earn income is their most valuable asset. A 30-year-old earning $50,000 annually will earn over $2 million by retirement. Yet most people insure their car and home but not their income.
The Hard Reality
- • 25% of 20-year-olds will become disabled before retirement
- • Average disability lasts 2.5 years
- • 90% of disabilities are caused by illness, not accidents
- • Less than 5% of workers have adequate disability coverage
- • Social Security Disability denies 65% of applications
Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. It's the financial safety net that keeps your bills paid and your family secure during recovery.
Leading Causes of Disability
Musculoskeletal
28%Back problems, arthritis, joint disorders
Cancer
15%All forms of cancer and treatment effects
Heart Disease
8%Heart attacks, cardiac conditions
Mental Health
8%Depression, anxiety, stress disorders
Accidents
6%Auto accidents, falls, injuries
Stroke
3%Cerebrovascular accidents
Risk by Occupation
Construction Worker
Falls, equipment injuries, back problems
Healthcare Worker
Back injuries, needlestick injuries, stress
Office Worker
Carpal tunnel, back strain, stress disorders
Teacher
Vocal strain, stress, physical strain
Police Officer
Physical injuries, PTSD, stress disorders
Surgeon
Hand/wrist problems, back issues, stress
Frequently Asked Questions
Protect Your Most Valuable Asset
Your ability to earn income is likely your most valuable asset. Don't leave it unprotected. Get disability insurance quotes tailored to your occupation and needs.