Disability Insurance — Protect Your Income

Also known as income replacement protection—helps safeguard your ability to earn if an injury, illness, or health condition prevents you from working. This coverage provides a monthly income replacement, helping you maintain financial stability and meet your ongoing obligations. 

For business owners, disability insurance also protects your company by ensuring key roles are covered and cash flow remains steady, even if you or a critical employee are unable to work. 

With the right coverage in place, you may be able to replace 60% to 85% of your income for a specified period if you:

• Need time away from work to recover from an illness or injury
   
• Experience a disability that prevents you from performing your occupation
   

The term “permanent” refers to the nature of the disability—not necessarily lifetime payments. The length of your benefits depends on the terms of your policy and the severity of the condition.

For self-employed individuals and business owners, disability insurance can be especially important. It can help cover both personal expenses and business obligations while you are unable to work.

Even if you have group coverage through your employer, an individual policy can help fill important gaps and provide additional financial protection.

Because your income is more than just a paycheck—it’s what keeps your life, your family, and your plans moving forward.