Disability Income

Why do you need disability income insurance?

1 in 4 people over the age of 20 will become disabled during their working lives1.

Disability income insurance can provide important help in the event of an illness or injury keeping you from earning a paycheck every month.

It will replace some of your lost income so that everyday expenses, such as your mortgage and utilities, groceries and childcare can still be paid.

This means you can concentrate fully on your recovery and the worry of lost finances is taken out of the equation.

Insure your paycheck and earning potential

You always make sure to insure your car and your home but your income and earning potential are more valuable than any possession.

7 in 10 working Americans couldn’t make it a month without a paycheck before having financial difficulties2.

Disability income insurance can be thought of  as protection for your monthly paycheck and means you will not have todrain your savings or retirement accounts in the event of an illness or injury.

How much disability income insurance do you need?

Generally, you should consider a policy that is able to cover your monthly expenses.

However, obviously everyone’s situation is different, which is why we have a plan that can be tailored entirely for you.

For instance, if you cannot afford full coverage right now, we can help you pick a benefit amount that covers your most important monthly expense items, such as your mortgagee and utility payments.

Disability insurance offers:

Affordable monthly protection:

Typically a disability insurance policy costs between 1-3 percent of your monthly salary. That’s just dollars a day to provide protection to you and your family.

Coverage that is flexible:

You can chose when you get paid and this can be in as little as 30 days. You also choose the your benefit period which can be between one year or up to when you retire.

Provides cash while off work or working part time:

Get paid the full monthly benefit amount if you’re totally disabled, and then partial monthly benefits if you return to work part time.

  1. U.S. Social Security Administration, Fact Sheet, 2018
  2. Life Happens survey, 2018

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San Diego, US
Call us: (619) 786 5000