Disability Insurance

An unexpected illness or injury can affect more than your health—it can also impact your ability to earn an income and meet your financial obligations. Disability Insurance is designed to help protect your income when a covered illness or injury prevents you from working.

Depending on the policy, disability insurance can provide monthly income benefits, lump-sum benefits, or a combination of coverage options, helping you manage everyday living expenses, financial commitments, and long-term obligations while you recover.

For professionals, business owners, executives, and other high-income individuals, specialized disability coverage may also provide access to higher benefit limits and customized protection designed around occupation, income, and individual needs.

Whether a disability is temporary or permanent, having appropriate coverage can help you and your family maintain greater financial stability when your ability to earn an income is unexpectedly interrupted.

Coverage, benefit amounts, waiting periods, definitions of disability, exclusions, and eligibility requirements vary by policy and insurance carrier. Please refer to the applicable policy documents for complete terms and conditions.

Protection for Today, Stability for Tomorrow

Following the applicable elimination period, monthly disability benefits may begin and continue while the insured remains totally disabled, subject to the policy’s maximum benefit period. Depending on the coverage selected, a lump-sum benefit may also be available when the insured meets the policy’s definition and requirements for a qualifying disability. For multiple separate and unrelated claims, each new qualifying claim may be eligible for a new benefit period, subject to the terms, conditions, and limitations of the policy.