Protect Your Paycheck. Secure Your Future.
Disability Income Insurance pays you when you can’t work so your lifestyle doesn’t suffer while you recover.
What Happens to Your Income If You Can’t Work?
Disability Income Insurance (DII) provides monthly income replacement usually 60–70% of your paycheck if an illness or injury prevents you from working. Whether you’re self-employed, salaried, or hourly, this coverage keeps your finances stable during recovery.
Highlight stats:
1 in 4 Americans will face a disabling condition before retirement
Most workplace disabilities are illness-related, not injuries
Emergency savings last 3 months for most families. Disability can last years
Covers illness and injury
Works with or without group benefits
Affordable monthly rates
Types of Disability Income Insurance
Protect Your Paycheck with the Right Plan
At OnePoint Insurance Agency, we understand that your income is your most valuable asset. A serious illness, injury, or surgery could interrupt your ability to work and that means bills, savings, and long-term goals could be at risk.
Below are the five primary types of Disability Income Insurance available through our agency each tailored to meet different income protection needs.
Short-Term Disability Insurance
Coverage Length: Up to 2 years
Elimination Period: As short as 30 days
Use Case: Temporary disability from illness, injury, or maternity leave
Key Benefit: Quick, affordable paycheck protection with flexible terms
Long-Term Disability Insurance
Coverage Length: From 2 years up to age 67
Elimination Period: Typically 30–180 days
Use Case: Extended disability due to serious illness or chronic condition
Key Benefit: Helps protect your long-term income and financial future
Business Overhead Expense (BOE) Disability Insurance
Coverage Type: Pays for business operating expenses if you're disabled
Use Case: Ideal for self-employed professionals and small business owners
Covered Expenses: Rent, payroll, utilities, and more
Key Benefit: Keeps your business running while you recover
Individual Disability Income Insurance
Coverage Type: Customized to your income, occupation, and risk profile
Use Case: Personalized income protection that follows you across job changes
Portability: Stays with you even if you change careers
Key Benefit: Most flexible and comprehensive individual solution
Group Disability Income Insurance
Coverage Type: Short-term and Long-term disability offered through employer or association
Use Case: For companies seeking employee benefit packages
Key Benefit: Enhances employee retention and financial security
Optional Riders Offered
Own Occupation Rider
Extends the definition of total disability to your specific occupation for up to 5 years or the full benefit period.
Residual Disability Benefit Rider
Provides partial benefits if you're able to work part-time due to a disability, based on income loss.
Catastrophic Disability Benefit Rider
Offers additional benefits if you suffer a severe disability, such as loss of two or more ADLs or cognitive impairment.
Critical Illness Benefit Rider
Pays a lump sum upon first diagnosis of specified critical illnesses like cancer, heart attack, or stroke.
Guaranteed Insurability Rider
Allows you to increase your coverage amount at specified times without additional medical underwriting.
Return of Premium Rider
Refunds a portion of premiums paid if the policy is canceled, lapses, or upon reaching age 65.
Automatic Benefit Increase Rider
Automatically increases your monthly benefit by 5% annually during the benefit period, up to double the original amount.
Non-Cancelable Rider
Guarantees that premiums cannot be increased and coverage cannot be canceled by the insurer up to age 65.
Waiver of Premium Benefit
Waives premium payments during periods of total disability.
Who Needs Disability Income Insurance?
Disability Income Insurance is not just for people with physically risky jobs it’s a crucial layer of financial protection for a wide variety of individuals. Anyone who relies on their income to pay monthly expenses or support others financially should consider this type of coverage. Here’s a breakdown of the groups who benefit most
Self-Employed Professionals and Gig Workers
These individuals don’t have employer-sponsored benefits like sick leave or long-term disability coverage. A single illness or accident could interrupt their income stream entirely.
Small Business Owners
If the business depends on the owner's day-to-day involvement, their disability could shut down operations. Business Overhead Expense (BOE) policies can protect business continuity while personal DII covers their income
W-2 Employees Without Group Disability Benefits
Many employers don’t offer any disability insurance. If your employer does, it often only covers a fraction of your income or is limited to short-term plans. Supplemental individual coverage fills the gap.
Primary Income Earners
Households that rely on one person’s income need disability insurance to prevent financial instability if that person becomes ill or injured
Parents With Young Children
Parents must maintain financial stability for dependents. DII ensures that tuition, groceries, and housing can continue even during recovery.
New Graduates and Young Professionals
The younger you are, the lower your premiums. Locking in a policy early helps avoid future underwriting issues and secures income as your career grows.
People With Existing Health Conditions
If you're managing a chronic condition but still working full time, getting DII now could be vital before conditions progress and disqualify you.
Individuals With High Debt Obligations
If you have mortgages, student loans, or car payments, DII ensures you can keep up with these obligations even without work.
Caregivers or Homemakers
While they may not have a formal paycheck, losing their ability to contribute services like child care, meal prep, or elder care creates real economic strain. DII helps cover substitute care or lost services.
Anyone Without 6+ Months of Emergency Savings
Most people don’t have enough savings to cover prolonged medical leave. Disability insurance provides ongoing support that savings alone cannot.
How Does Disability Income Insurance Work?
Most policies replace 60–70% of your gross monthly income
You apply – health underwriting may apply, but no physicals needed
You pay a small monthly premium – based on age, job, and benefit level
You experience a covered disability – injury, illness, surgery recovery
You receive tax-free monthly income – after an elimination period (e.g., 30, 60, or 90 days)
You return to work – and the benefit ends or adjusts to part-time status
What Does a Disability Payout Look Like
Marcus is a 42-year-old self-employed graphic designer. After a car accident, he requires 5 months off for back surgery recovery. His DII policy replaces $3,000/month, helping him stay on top of bills, child support, and rent without dipping into savings.
What’s Included in Your Plan?
What Does Your Disability Insurance Include?
Not all disabilities are total and not all income protection is the same. That’s why we help you customize a plan that fits the way you work and live.
From how soon benefits begin, to how long they last, and what extra riders you want your policy is built to support you through recovery, return-to-work, or long-term transitions.
Take a look at what’s included in a well-structured disability income plan:
Monthly Benefit Amounts: $500–$10,000+
Elimination Period Options: 30, 60, 90, 180 days
Benefit Duration: 6 months up to agee 67 years
Partial Disability Benefit: Receive income even if you return part-time
Non-Cancelable Option: Lock in pricing long term
Optional Riders: Cost of Living Adjustments, Student Loan Repayment, Return of Premium
But Doesn’t My Job Offer This Already?
Common Misconceptions About Disability Income Insurance
Despite its importance, many people delay or dismiss disability coverage due to misinformation. Below is a comparison of common myths versus the actual facts
I’m young and healthy, I don’t need it.
Over 1 in 4 workers will experience a disability before retirement. Illness and injuries affect all ages.
My employer has it, so I’m covered.
Group plans cover only 40%–60% of base salary and may end when you leave your job.
It’s too expensive.
Most policies cost just 1%–3% of your salary less than a daily coffee.
Workers’ comp will take care of me.
Workers’ comp only applies to on-the-job injuries. Most disabilities occur off the job.
I’ll just use my emergency fund.
Savings may not last more than 3 months; disabilities can last much longer.
Ask us to help design a policy that works for your occupation and budget.
Bundle and Maximize Your Benefits
Combine Disability Insurance with:
Hospital Indemnity (up to $2,000/day)
Critical Illness ($10,000–$100,000)
Accident Insurance (ER, surgery, AD&D)
Dental & Vision Coverage
We'll build a custom package for your health, income, and lifestyle goals.
Learn About Disability Insurance
Combine Disability Insurance with:
What Is Disability Income Insurance and How Does It Work?
Understand the purpose of disability insurance, how benefits are triggered, and why it's essential for income protection
Difference Between Short-Term and Long-Term Disability Coverage
Learn how coverage length, waiting periods, and benefit amounts differ and which suits your lifestyle
How Disability Insurance Complements Major Medical and Life Insurance
Discover how DII fills the income gap while medical insurance handles healthcare costs.
Why Self-Employed and Gig Workers Need Disability Coverage More Than Ever
Explore how independent contractors protect their earnings without an employer safety net.
What Is a Business Overhead Expense (BOE) Policy and Who Should Consider It?
Learn how BOE insurance ensures your business keeps running if you become disabled.
Understanding Elimination and Benefit Periods
Break down how soon benefits start and how long they last and how that affects pricing.
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Frequently Asked Questions
How much of my income will disability insurance replace?
Typically 60% to 70% of your gross income, depending on the plan.
Is the benefit taxable?
If you pay the premium with after-tax dollars, the benefit is usually tax-free.
How soon do I receive benefits after filing a claim?
After the elimination period, which may be 30, 60, or 90 days.
Can I get coverage if I have a pre-existing condition?
It depends some may be excluded or rated higher. Simplified issue plans have fewer health questions.
What if I’m self-employed or 1099?
Assurity offers plans specifically for independent workers with no employer coverage.
How long do benefits last?
From a few months (short-term) to several years or up to retirement (long-term), based on your selection.
Your Paycheck Is Your Most Valuable Asset Protect It Today
Call 770-884-8117 to speak to a licensed advisor
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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