It helps to think of disability insurance as financial protection for your most valuable asset — the ability to work and earn a living.

Homeowner’s insurance protects where you live. Car insurance protects what you drive. Health insurance protects your well-being. But what protects your ability to earn an income? To protect your paycheck, there’s disability insurance. Disability insurance is designed to replace a percentage of the income you lose due to your inability to earn a paycheck. Having disability insurance means being able to buy food, pay bills, and cover household expenses while you’re unable to work.

According to the Social Security Admistration, more than 25 percent of today’s 20-year-olds will experience a disabling event that prevents them from working for at least three months before retirement. And when you consider the most common causes of long-term disabilities, it’s really not all surprising.

• Arthritis
• Back pain
• Cancer
• Depression
• Diabetes
• Heart disease
• Stroke

Disability income insurance is an intelligent investment for young, healthy individuals who want to secure their financial future. Without disability insurance, a bad accident, loss of vision, chronic condition, or illness could cause financial hardship. Even a temporary disability can cause you to deplete your savings, fall behind on bills, and rack up debt.

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