Disability Income

Disability Income (DI) Insurance

You and your family depend on your income. Protect your quality of life with disability income insurance.

What Disability Income Provides

If you become too sick or injured to work for more than a month, Disability Income (DI) insurance replaces a portion of your income. Benefits can replace more than just your salary, including bonuses and commissions.

At a minimum, DI should cover your usual living expenses, including routine bills, mortgage payments, and college tuition. But you may choose to be insured for the highest percentage of your previously reported income that you are eligible for. The best DI policies typically cover up to 60 or 65% of your previous income.

Protect Your Retirement Savings

If you become too sick or hurt to work, disability income insurance may help you avoid using your retirement savings to cover income gaps. You may also be able to purchase a DI policy to continue saving for retirement while you’re disabled.

Many DI policies will even provide coverage if you can work at another occupation. This is especially the case for medical professionals, who earn significant money in physically demanding occupations. What happens if you no longer have steady hands, or are no longer able to lift a patient?

Disability Income Insurance

Working age Americans become disabled for more reasons than you might think. It’s surprisingly common. And frequently, it’s actually due to illnesses. The top 10 causes for disability in the United States include:

  1. Arthritis and other musculoskeletal problems
  2. Heart disease
  3. Lung or respiratory problems
  4. Mental illness, including depression
  5. Diabetes
  6. Stroke
  7. Cancer
  8. Nervous system disorders
  9. Injuries sustained in accidents
  10. Pregnancy


None of those includes injuries or accidents! So doesn’t it make sense to set aside a small percentage of your income to disability, to protect the majority of it?

Disability Income Insurance | Dan Rhoads Insurance Agency