Resource · Insurance
Disability Insurance
Your paycheck is your biggest asset — here's how to insure it.
Your ability to earn an income may be the most valuable financial asset you have. This overview explains how disability insurance protects that income and what to look for in a policy.
What’s inside
Why it matters
Most long-term disability claims come from illness rather than accidents, and a long gap in income can strain savings and retirement plans.
What a policy covers
Income replacement, benefit periods, cost-of-living adjustments, and how “own-occupation” coverage (which pays if you can’t do your specific job) differs from “any-occupation” coverage.
Group and individual coverage
Where employer plans often fall short, and how an individual policy can fill the gaps.
Rules of thumb
Starting points for your coverage amount, waiting period, benefit period, and when to buy.
Review your coverage
Download the overview and compare it with the coverage you have through work. We can help you see where the gaps are.
This content is for informational purposes only and is not individualized advice.