Disability Income Insurance
Replace a portion of your income if you cannot work
Overview
Disability income insurance replaces a portion of your income if an injury or illness prevents you from working. Short-term and long-term options are available. This coverage is especially important for self-employed workers, gig workers, and independent contractors who do not have employer-sponsored disability benefits.
How It Works
If you become disabled due to a covered illness or injury, the plan pays a monthly benefit — typically a percentage of your pre-disability income — after an elimination period. Benefits continue for the benefit period specified in your policy, helping you meet financial obligations while you recover.
Key Benefits
- Monthly income replacement benefit
- Short-term and long-term options available
- Covers both accident and illness disabilities
- Own-occupation and any-occupation definitions available
Typical Covered Benefits
- Monthly disability benefit
- Partial disability benefit
- Rehabilitation benefit
- Return-to-work benefit
- Cost of living adjustment (select plans)
Who This Plan May Be Right For
- Self-employed workers, gig workers, and independent contractors
- Those without employer-sponsored disability coverage
- Individuals whose income depends on their ability to work
- Anyone who wants income protection beyond workers' compensation
Request a Free Quote
Get personalized Disability Income Insurance options from an independent broker — no obligation, no pressure.
Benefit amounts, elimination periods, and benefit periods vary by policy. Disability definitions vary by carrier.