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A common misconception about disability income insurance is that its sole purpose is to cover against catastrophic events resulting from accidents. In fact, illnesses like cancer, depression, and multiple sclerosis far more often impact your ability to work and support yourself and your family. Individual disability income insurance is designed to protect your income if you cannot work due to illness or injury.
One in seven people will become disabled for five years or longer before they reach 65. That’s why more and more people are choosing to protect themselves and their loved ones with Disability Insurance.
Individual disability insurance can be ideal for anyone who doesn’t receive disability insurance through work. It’s also an option for high earners looking for extra coverage. Not only can you buy this policy on your own, it also stays with you even if you change jobs.
