Disability Plans
Protect Your Income: Stay Financially Secure with Disability Insurance
Your Legacy, their Security - Start with Life Insurance today
Life insurance isn’t just a policy - it’s a promise of love, protection, and financial security for the people you care about most. Let’s help you keep that promise
Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch?
If you’re like many, financial difficulties could arise quickly if your paycheck were to suddenly stop. In fact, a survey by Life Happens found that half of working Americans couldn’t make it a month without facing financial strain, and nearly one in four would feel the impact immediately.¹
That’s where disability insurance comes into play—consider it protection for your paycheck. If illness or injury prevents you from working, disability insurance ensures you’ll continue receiving income, allowing you to cover expenses and stay afloat until you’re able to return to work.
You likely insure your home, car, and other valuable possessions, so it makes sense to protect what funds all of those—the income you rely on. Explore the different sources of disability income protection and see how you can get coverage tailored to your needs.
¹The Disability Survey conducted by Kelton Research on behalf of Life Happens, April 2012
Workers Compensation
If you’re employed and experience a work-related illness or injury, Workers’ Compensation insurance may replace a portion of your salary. This coverage, required in all states, typically provides about two-thirds of your pre-disability income. However, it’s important to note that the majority of long-term disabilities—around 73%, according to the National Safety Council—result from non-work-related injuries or illnesses. In those cases, Workers’ Compensation wouldn’t apply, leaving a significant gap in income protection.
That’s why disability insurance is crucial for covering illnesses or injuries that occur outside of work.
Social Security
The federal government offers a disability insurance program through Social Security, which covers most workers. However, qualifying for these benefits is challenging. According to the Social Security Administration, 65% of initial applications for Social Security Disability Insurance (SSDI) are denied. Additionally, the average monthly benefit in 2012 was $1,130, an amount close to the poverty line. For many, this amount is not enough to maintain their standard of living, which highlights the importance of considering supplemental disability insurance.
Employer Sponsored Coverage
The primary source of disability income protection is often employer-sponsored. Many employers, especially larger companies, provide group disability insurance coverage in two forms:
❶ Short-term disability (STD): This covers a significant portion of your income for a limited period, usually around three months.
❷ Long-term disability (LTD): This offers income replacement for extended periods, typically covering 40% to 60% of your pre-tax base salary.
These benefits ensure that employees can maintain some level of financial stability during a disabling illness or injury.
Individual Disability Insurance
The most flexible and reliable disability insurance option is an individual policy that you purchase independently. Unlike employer-provided plans, a privately owned policy is portable, ensuring continuous coverage even if you change jobs. Individual policies typically cover 40% to 65% of your pre-disability gross salary. If premiums are paid with after-tax dollars, the benefits are received tax-free.
Frequently Asked Questions
What is disability insurance, and why do I need it?
Disability insurance is essentially income protection. If you become unable to work due to illness or injury, this coverage steps in to replace a portion of your paycheck so you can continue paying your bills, covering your mortgage or rent, and supporting your family. Without it, most Americans would find themselves in financial trouble sooner than they expect. A survey by Life Happens revealed that nearly half of working Americans couldn’t go a single month without feeling the financial pressure, and about one in four would feel it immediately.
What are the benefits of having an individual disability insurance policy?
An individual policy is one you purchase on your own, and it’s often the most reliable form of income protection. These plans stay with you even if you change jobs, and they can be tailored to your specific income needs. Typically, they’ll cover between 40% and 65% of your pre-disability salary. One big advantage: if you pay the premiums with after-tax dollars, your benefits are received tax-free. That can make a huge difference when it really counts.
How do I know what type of disability insurance is right for me?
It starts with understanding your income needs, existing coverage, and how long you could realistically go without a paycheck. Our team is here to walk you through it and help you find a policy that fits your situation. Whether you’re looking to supplement what your employer offers or need full coverage on your own, we’ll help you make a plan that works for your life.
Don’t Let an Unexpected Injury or Illness Disrupt Your Life
Contact us today and speak with one of our trusted advisors!
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© 2025 Insurance Educators ┃ All Rights Reserved. Privacy Policy & Terms of Service┃ Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area.
Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
INSURANCE EDUCATORS
SERVICES
ADDITIONAL SERVICES
STAY CONNECTED
© 2025 Insurance Educators
All Rights Reserved.
Privacy Policy & Terms of Service
Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Why Life Insurance Matters
Life insurance is one of the most meaningful ways to protect the people you love. While it’s often seen as both a financial and emotional decision, at its heart, it’s really about love, care, and providing a secure future for those who matter most.
Every year, millions of individuals and families choose life insurance for reasons that are often hard to put into words, but deeply felt. It may seem like a simple concept, but the motivation behind it is personal, emotional, and powerful.
If you’re like most people, you’re here for the same reasons,
to protect your loved ones, fulfill your responsibilities, and ensure their future is safe.
Here’s why life insurance matters.
Here's why more individuals and families choose to protect what matters with life insurance:
Protect the People You Love
Life insurance is about providing for those who depend on you. It’s a commitment to shield your family from financial stress if something unexpected happens, so they can keep moving forward with confidence.
It's Not For You - It's for Them
The purpose of life insurance is simple: to protect your loved ones when you’re no longer there to do it yourself. It’s about their security, not yours - and that peace of mind is priceless.
Provide for your loved ones no matter what
By securing their financial future, you’re helping your loved ones maintain their lifestyle in the event of the unexpected.
Time, Choices and Financial Breathing Room
Losing a loved one is overwhelming. Life insurance helps your family avoid rushing difficult decisions, providing the time and financial flexibility they need to adjust at their own pace.
Immediate Funds, When They’re Needed Most
The payout from a life insurance policy is often available right when it’s needed most - and usually tax-free.
