What is disability insurance?
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.
It’s important to know that even if you have group long-term disability insurance through your employer, it may not be enough.
Schedule a complimentary consultation to learn if an individual disability insurance policy is right for you.
How much disability insurance do I need?
At minimum, your disability income insurance should cover your necessary living expenses. However, we will work with you to help you determine an appropriate amount of coverage.
Factors to consider:
- Base salary, commissions, bonuses
- Coverage offered through your employer
- Emergency savings and other sources of income
- Your health, occupation, education and career plans
Contact us for more information about disability income insurance or to schedule a complimentary initial consultation.
Help protect your income with life and disability income (DI) insurance
Most disabilities are caused by illness, not an injury or accident.
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1 Source: Integrated Benefits Institute, Health and Productivity Benchmarking, 2017 Long Term Disability, September 11, 2018.