You insure your home. You insure your car. But what about your paycheck—the thing that pays for everything else?
Disability income insurance, also known as paycheck protection, is one of the most valuable and often overlooked types of coverage. It ensures that if you become sick or injured and can’t work, you’ll still have money coming in each month to cover your living expenses.
Let’s break down what disability income protection is, how it works, and why it might be the smartest protection you’ve never considered.
What Is Disability Income Protection?
Disability income protection is a type of income replacement insurance that pays you a portion of your income—usually 60% to 80%—if you are unable to work due to a medical condition, injury, or illness.
It's designed to protect your paycheck during a temporary or long-term disability, helping you avoid financial stress while you focus on recovery.
Two common types of disability insurance include:
Why Most People Don’t Have It (And Should)
Many people assume they don’t need disability insurance coverage because:
They’re young and healthy.
Their job doesn’t seem risky.
They think Social Security will provide enough support.
Reality check:
1 in 4 working adults will experience a disabling condition before retirement.
Most claims stem from illness—not accidents.
Government disability support is limited, strict, and slow to approve.
Without income protection insurance, you could be left relying on credit cards, loans, or family just to pay bills.
How Disability Insurance Works
When you purchase a disability income insurance policy, you’re securing:
Monthly Benefit: Typically 60–80% of your current income.
Elimination Period: How long you wait before benefits begin.
Benefit Period: How long your payments last (e.g., 2 years, 5 years, to age 65).
Own vs. Any Occupation Coverage: Defines how disability is measured for your profession.
It’s income protection that keeps your lifestyle intact—even when you can't work.
Who Needs Disability Income Insurance?
Disability income protection is a smart move for:
Professionals, freelancers, and business owners
Primary income earners in a household
Young adults looking to protect their future income
Self-employed individuals without employer benefits
If you rely on your paycheck to live, protecting your income is non-negotiable.
What Does It Cover?
Disability insurance can cover lost income due to:
Injuries (e.g., car accidents, back injuries)
Illnesses (e.g., cancer, heart disease)
Recovery from surgery
Mental health conditions (e.g., anxiety, burnout)
It offers financial support when your body—or mind—needs time to heal.
What’s the Cost?
The cost of affordable disability insurance varies based on:
Your age, health, and occupation
Coverage amount and benefit length
Whether it’s short- or long-term
For many working professionals, the monthly cost is less than a gym membership or streaming service.
Why Choose OnePoint?
At OnePoint, we help clients personalize their disability income insurance using plans from over 60 top-rated carriers.
✅ We help you compare quotes.
✅ We explain all the fine print.
✅ We design protection that fits your career and lifestyle.
It’s not just a policy—it’s peace of mind.
Final Thoughts
A disability can happen unexpectedly—but losing your income doesn’t have to follow.
Disability income protection is one of the most overlooked yet essential coverages available today. It protects your future. It protects your family. It protects everything you’ve worked for.
Ready to Protect Your Paycheck?
📞 Call OnePoint today at 770-884-8117
📅 Book your free consultation: Schedule now
📖 Learn more: Disability Income Coverage Explained →
