What Is Disability Insurance?

What is Disability Insurance?

What Is Disability Insurance - Income Protection - The base of a solid financial foundation

Disability Insurance also known as Income Protection, is a financial service product that can be purchased on an individual or Multi-Life (group) basis. Disability Insurance is designed to replace a portion of your income in the event an accident or sickness leaves you unable to work and earn an income in your occupation.

What Disability Insurance really provides is money, income protection for individuals and families lifestyles in the event one of the members can no longer support themselves or their families due to an illness or accident.


The Truth is disabilities happen more often than you would think. 1 out of every 4 of today’s 20 year-olds will suffer a disability before they reach retirement. Over 36 million Americans are classified as disabled, which is about 12% of the total population in the United States.  Even more concerning is that 50% of those disabled are in their working years from age 18-64!

If an accident or sickness left you unable to work, how long could you afford to be without a paycheck? Did you know that 65% of working Americans could not afford to pay their bills for even a year if they lost their ability to earn an income? Even more concerning is that 38% of working Americans could not afford to pay their bills for more than 3 months! With 44% of U.S families spending more than they earn, a income protection plan should be every working individual’s top priority to prevent a potential financial disaster.

DisabilityInsuranceForYou.com is here to help you. Whether you have general questions regarding disability insurance, interested in the cost or need to review your current disability insurance coverage, we are here to help you! Since 1971 we have been working with individuals to find the best coverage at the best price to fit their needs.

Contact us today to learn how we can help protect your financial future from a disability.

Request Your Disability Insurance Quote


Learn More: Most alternatives to replacing lost income are not adequate.

* Cited Source Information

  • Social Security Administration, Fact Sheet March 18, 2011
  • U.S. Census Bureau
  • Social Security Administration, Disabled Worker Beneficiary Statistics, ssa.gov
  • Federal Reserve Board, Survey of Consumer Finances, 2007
  • Consumer Federation of America national survey by Opinion Research Corp., Feb 2007