This year, the risk of disability is three times the risk of death.
Disability is seven times more likely than death to occur during a career.
And, one worker in seven will be disabled for five years or more, sometimes before normal retirement. Disability income insurance provides covered individuals with a replacement income should the insured become sick or injured and is unable to work. Coverage amounts are designed to provide reasonable income replacement while maintaining an incentive to return to work. This guide should help to dispel some myths about this coverage and tell you what to look for when investigating your options. All rights reserved.