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Individual Disability Income

Individual disability income insurance is designed to protect your most important asset, your income! Individuals who are self-employed face the possibility of “loss of income” due to an unexpected illness or accident.

Individual disability income (DI) insurance provides a replacement of a PERCENTAGE of that income. Proof of income (a copy of the most recent tax return) is required when applying for this coverage.

It is very important, when evaluating and/or purchasing a DI policy, to understand what the definitions and accompanying benefit levels are. A professional insurance broker can help answer your questions.


disabilityPlan Features

  • Optional base benefit increase
  • Cost of living adjustments (COLA)
  • Own occupation coverage
  • Any occupation coverage
  • Partial disability benefits
  • Your choice of elimination periods
  • Your choice of duration of benefits

Disability Statistics According to the National Association of Insurance Commissioners (NAIC):

  • A male U.S. worker at age 35 faces a one-in-five chance of a disability taking him off his job for 90 days or longer.
  • Before a 35-year-old woman reaches retirement age, she faces a nearly one-in-three risk of a disability lasting at least 90 days.
  • The risk of a long-term disability during a worker’s career is greater than the risk of premature death. Yet most workers would never think of going without life insurance protection for their families.

The most common causes of long-term disability are:

  • Injuries to the muscles, bones, or joints (27%)
  • Heart and blood vessel problems (13%)
  • Spinal system diseases (12%)
  • Cancers (10%)
  • Injuries and poisonings (9%)
  • Mental disorders (6%)

(JHA, Inc., 2006 Risk Management Study)

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