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.
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What is Disability Income Insurance
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.
Optional Riders Offered
Add-ons that sharpen your coverage instead of bloating your premium.
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.
Who Needs Disability Insurance?
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?
If an illness or injury keeps you from working, this is the short version of how your income stays protected.
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Step 1: You’re unable to work due to covered injury or illness
If the situation meets the policy’s definition of disability, you’re eligible to claim.
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Step 2: Wait the elimination period you selected (e.g., 90 days)
This is the waiting period before benefits begin. What’s an elimination period? A waiting period you choose—commonly 30, 60, or 90 days—before monthly benefits start.
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Step 3: Monthly benefits begin (e.g., 60% of income up to the cap)
Benefits are paid monthly according to your policy’s percentage and maximum limits.
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Step 4: Benefits continue until you recover or hit the benefit period limit
Payments stop when you return to work or when the selected benefit period ends.
Have questions about benefit amounts, riders, or waiting periods? We’ll help you pick the right fit.