Income Replacement
Provides a steady stream of income if illness or injury prevents you from working.
Protect Your Paycheck with Disability Income Insurance
When illness or injury keeps you from working, your bills don’t stop. Disability Income Insurance ensures your income doesn’t either.
Protect Your Paycheck with Disability Income Insurance
When illness or injury keeps you from working, your bills don’t stop. Disability Income Insurance ensures your income doesn’t either.
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What is Individual Disability Income Insurance
Individual Disability Income Insurance is your financial safety net when life throws you off course. If an illness or injury keeps you from working, this coverage steps in to replace part of your paycheck, so you can keep the lights on, the fridge full, and your future plans on track. Think of it as paycheck protection, built just for you.
Why You Need Individual Disability Income Insurance
Financial Security
Protects your savings, lifestyle, and long-term plans during unexpected setbacks.
Complements Health Coverage
Disability income insurance steps in where medical coverage stops — covering lost wages, not just bills.
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 Individual Disability Insurance?
If your paycheck pays the bills, losing it would sting. Disability insurance replaces a slice of your income when illness or injury takes you off the job. Click a tile to see why it matters for you.
Primary Breadwinners & Parents
Your income keeps the household running. If it stops, everything feels wobbly.
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- Replaces a portion of income so mortgage, groceries, and childcare still get paid.
- Helps protect family plans without draining savings.
Self‑Employed, 1099 & Small Business Owners
No employer sick pay. If you can’t work, revenue pauses—but expenses don’t.
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- Can cover personal income when you’re sidelined by a covered disability.
- Optional riders may help with partial/residual disabilities when income drops.
High‑Income & Specialized Professionals
Doctors, attorneys, executives—your skill set is your engine. Protect the fuel.
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- Own‑occupation definitions can protect ability to claim if you can’t perform your specialty.
- Future increase options help keep coverage aligned with a growing income.
People in Physically Demanding Jobs
Construction, nursing, warehouse, delivery—injuries happen and recovery takes time.
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- Income replacement for covered disabilities when you can’t perform job duties.
- Pairs well with workplace benefits that may be limited in amount or duration.
Anyone With Loans or Big Fixed Bills
Mortgages, rent, student loans, car notes—those autopays don’t care if you’re injured.
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- Benefits can help keep essential payments current during recovery.
- Prevents burning through retirement or college savings to cover bills.
Young & Healthy Workers
It’s usually cheaper to qualify when you’re younger and healthy—future you will thank you.
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- Lock in coverage before health changes that could raise costs or limit benefits.
- Build a long‑term safety net early in your career.
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.
Costs & Factors Affecting Premiums
What actually moves your price up or down? Click a tile to see the real drivers and how to take control.
Age & Health
Generally, the younger and healthier you are when you apply, the lower the rate.
Occupation Risk
Your job’s duties determine your risk class — and that class drives the premium.
Benefit Period & Waiting Period
How long benefits pay — and how long you wait before they start — changes cost a lot.
Policy Riders (Add‑ons)
Options like COLA, own‑occupation, and partial disability add value — and cost.
How Does Individual Disability Income Insurance Work?
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Get a Quote & Customize Coverage
Tell us your occupation and income. Choose your monthly benefit, elimination period (e.g., 30–180 days), benefit period (2 years to age 65/67), and riders like Own-Occupation or Partial/Residual Disability.
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Apply & Underwriting
Complete the application. Insurers review health & finances (may include medical questions/exam and income verification). Occupation class and lifestyle shape eligibility, riders, and pricing.
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Policy Issued & Claim Process
Once approved, activate your policy and keep premiums current. If a covered disability occurs, satisfy the elimination period; then eligible monthly benefits are paid up to your limit and benefit period. Tax treatment can vary—ask us.
Note: Definitions of disability and rider availability vary by insurer and state. We’ll help you compare.
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.
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
Common Misconceptions
But doesn't my Job Offer this already?
Despite its importance, many people delay or dismiss disability coverage due to misinformation. Below is a comparison of common myths versus the actual facts
Disability Insurance: Misconception vs. Reality
| Misconception | Reality |
|---|
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 with OnePoint
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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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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.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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