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, close to two-thirds of Americans disabled as adults are unable to work at all, and about a third 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.