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Disability income
DI
Disability insurance is also called disability income (DI) insurance. If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. It's important to know that even if you have group long-term disability insurance through your employer, it may not be enough.
Who should consider disability income insurance?
Disability income insurance can help you protect 45 percent to 65 percent of your income should you become too sick or hurt to work.
So if you have people who depend on you financially, college tuition to cover, and mortgage payments to make, you should consider disability income insurance.
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Disability income insurance features and benefits
Income protection
Retirement protection
Retirement protection
Your income is most likely your biggest asset. Without it, it would be hard to support yourself and your loved ones financially, as well as keep your future plans on track. Individual disability income insurance can help you stay on track by protecting a portion of your income.
Retirement protection
Retirement protection
Retirement protection
If you become too sick or hurt to work, individual disability income insurance may help you avoid using your retirement savings to cover income gaps. You may also be able to purchase a DI policy to help you continue saving for retirement while you’re disabled.
Customizable coverage
Retirement protection
Customizable coverage
Individual disability income insurance policies may be customizable, so you can prepare for the future. For example, you may be able to choose to add a rider to your policy that allows your coverage to grow as your salary increases.
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