Income Replacement
Provides a steady stream of income — typically 60–70% of your salary — if illness or injury prevents you from working. Bills don't pause, and neither should your paycheck.
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Protect Your
Paycheck with
Disability Income
Insurance that replaces what matters most.
When illness or injury keeps you from working, your bills don't stop. Disability Income Insurance ensures your income doesn't either — replacing a portion of your salary so you can focus on recovery, not finances.
Serving families & businesses in 18 states
GA
AL
AZ
FL
IL
LA
MD
MI
MS
MO
NJ
NY
NC
OH
SC
TN
TX
VA
Income Replacement
Replaces up to 60–70% of your salary while you're unable to work.
Short & Long-Term
Coverage options from weeks to years — or all the way to retirement.
Own-Occupation
Benefits if you can't perform your specific job — not just any job.
Tax-Free Benefits
When you pay premiums with after-tax dollars, benefits come tax-free.
Licensed Independent Agents
We shop multiple carriers to find the best disability coverage for your income, occupation, and budget. No pressure — just expert guidance.
Independent Agency — We work for you
Licensed in 18 States across the US
Free quotes — Zero obligation
Call 888-899-8117
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Explore Coverage
Disability Income
Products
Find the right disability coverage for your situation — whether you need individual protection, group plans, or business overhead expense coverage.
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 It
Your Income Is Your
Greatest Asset
Disability income insurance protects the one thing everything else depends on — your ability to earn. Here's why it matters.
Financial Security
Protects your savings, retirement accounts, and long-term financial plans from being wiped out by an unexpected disability. Your future stays intact.
Complements Health Coverage
Health insurance covers medical bills — disability income covers everything else. Rent, groceries, car payments, utilities — the expenses that don't stop when you can't work.
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.
Is It Right for You
Who Needs Disability
Income Insurance?
If your paycheck keeps life moving, losing it could be devastating. See which situations apply to you — and why coverage matters.
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 — can materially change the cost.
Policy Riders (Add-ons)
Options like COLA, own-occupation, and partial disability add value — and add cost.
How Does Individual Disability Income Insurance Work?
Individual Disability Income, Step by Step
From quote to approval to benefits—here’s what to expect, and what information insurers typically review along the way.
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Get a Quote & Customize Coverage
Share your occupation and income. Then choose your monthly benefit, elimination period (often 30–180 days), benefit period (for example 2 years or to age 65/67), and any optional riders such as own-occupation or partial/residual disability.
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Apply & Underwriting
Complete the application. The insurer reviews health and financial details (which may include medical questions/exam and income verification). Occupation class and lifestyle factors can impact 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, you satisfy the elimination period first; then eligible monthly benefits may be paid up to your limit for the selected 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 options.
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
Real answers. Straight talk. Insurance made simple.
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
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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