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Paycheck Protection Through Disability Insurance

What is Disability Insurance?

May is here and that means it is disability insurance awareness month. What is disability insurance? If you get sick or injured and are unable to work, disability insurance provides you with a portion of your income. Think of it as paycheck protection. This can play an important role in taking care of yourself and your family in case an accident happens.

So why is there a month for disability insurance awareness? Well, here’s how we see it:

  1. Disability insurance is misunderstood
  2. Only 58% of working adults had disability insurance in 2018*

But don’t worry, we’re here to give you the inside scoop!

Disability Insurance Myths

Disability insurance is often misunderstood. For instance, while it does cover catastrophic conditions like paralysis, it may also cover more common conditions like back pain, arthritis, and mental health disorders.

A disability may mean losing the ability to earn a paycheck. We insure our cars, homes, and even our health. But why do we tend to forget about insuring our income, which happens to be our most valuable asset?

We often think “it won’t happen to me”. But the reality is that the entire workforce, regardless of age and profession, have nearly the same chances of experiencing an income disruption due to illness or injury. For example:

More than 25% of today’s 20-year-olds can expect to be out of work for at least a year during their career because of a disabling condition.*

What’s more, accidents causing a disability are more likely to happen outside of work. This means a majority of disabilities are not typically covered by workers compensation.

Paycheck Protection

Accidents can happen anytime and anywhere. Illnesses are something we can’t always anticipate. Therefore, anyone and everyone who works should consider protecting their paycheck with disability insurance, regardless of age.

One in five working Americans have experienced at least one disability leave of absence during the past 10 years due to a condition, injury, or illness.*

In short, disability insurance simply means paycheck protection. We can’t predict the future but we can plan to protect our income. Just in case.

Questions? One of our agents can help you decide the coverage that is right for you.

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Redefining Disability

Dr. Feranmi Okanlami was pursuing his dream when he suffered an accident. Afterward, his long term disability helped allow him to continue his pursuit.



*Guardian Insurance

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