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Protecting your income is one of the most responsible decisions you'll ever make. Ask yourself this: How would you and your family be, financially, if you couldn't work for over 3 months? Next, ask yourself if your household can maintain your lifestyle on 60% of your current income. If you have long-term disability income insurance through your employer and earn over $100,000 annually, there's a good chance that your employer's plan does not provide enough coverage.
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90% of disability claims are due to illness, not injury (Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability)
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1 in 4 working Americans will become disabled before they retire (U.S. Social Security Administration Fact Sheet, June 2022)
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