Introduction to Disability Insurance

About a quarter of American adults are currently living with a disability, according to the Centers for Disease Control and Prevention, and one out of every four individuals in the US workforce will suffer a disabling injury before retirement. In addition, about half of Americans disabled as adults are unable to work at all, and about half are limited in the types of work they can perform.

The chance of a disability occurring is high enough that many people opt for insurance to protect their income in the event of such an unfortunate occurrence. Disability insurance can provide a financial safety net in the event of an injury, disease, or condition that prevents you from working in either the short or long term.