Disability income insurance helps replace a portion of your income if an illness or injury prevents you from working. It helps you continue paying everyday expenses while you recover.

When is the best time to purchase disability insurance?

More than 1 in 4 of today's 20-year-olds is projected to experience a disability before reaching retirement age. Disability can happen to anyone, regardless of age or occupation.

Health insurance helps pay medical expenses. Disability income insurance helps replace lost income so you can continue paying your mortgage, rent, utilities, groceries, and other bills.

Employer coverage may not be enough to meet your financial needs. An individual policy may help supplement your existing benefits and provide protection when changing jobs.

No! Professionals, business owners, educators, healthcare workers, and employees in virtually every industry can experience an illness or injury that prevents them from earning an income.