Disability Insurance

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. Statistics show that in the US a disabling accident occurs on average once every second.^[1] In fact, nearly 18.5% of Americans are currently living with a disability,and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.^[2]

Your income allows you to maintain your standard of living, pay bills, save for the future and enjoy life’s simple pleasures. In short, it provides the foundation for life as you know it. But what if you couldn’t work to earn your income?

Disability income insurance (DI) can provide a monthly benefit to help you pay your basic expenses should you become sick or hurt and Totally Disabled.

Call us for a Disability Income quote today! 361-798-4311

References:

1. "Disability Statistics" (PDF). National Treasury Employees Union - Chapter 78. March 12, 2009.
2. http://web.archive.org/web/20130123064308/http://www.disabilityinsurance.org:80/articles/disability-insurance-infographic.html. Archived from the original on January 23, 2013. Retrieved January 7, 2013.