Log in MENU Home Insurance Disability Income Insurance Income Protection Solutions INCOME PROTECTION SOLUTIONS Protect your income from an unexpected illness or injury Getting sick or injured could significantly impact your life, but it doesn’t have to affect your financial stability. RiverSource® Income Protection solutions can help safeguard your income if an illness or injury prevents you from working, so you can stay focused on what matters most. What is disability income insurance? Disability income insurance covers a portion of your income if you are injured or ill and unable to work for an extended period of time. Having group disability income insurance through work is a great start, but it may fall short of covering all it could. Combining employer-sponsored insurance with a personal RiverSource® Income Protection policy can help protect more of your actual earnings with: An income tax-free monthly benefit* Guaranteed coverage up to age 65 (as long as premiums are paid in full and on time). All guarantees are based on the continued claims paying ability of the issuing company. No change to your coverage without your consent Coverage for bonuses and commissions For an additional cost you can add optional coverage to help your benefit keep pace with wage and cost-of-living increases. Disability income insurance solutions RiverSource Income Protection Solutions RiverSource Income Protection An income tax-free monthly benefit* Guaranteed coverage up to age 65 (as long as premiums are paid in full and on time). All guarantees are based on the continued claims paying ability of the issuing company No change to your coverage without your consent Coverage for bonuses and commissions For an additional cost you can add optional coverage to help your benefit keep pace with wage and cost-of-living increases. Protect yourself and your family if you are unable to work due to an extended illness or injury. Discuss disability income coverage with your Ameriprise advisor today. Can your family live on $1,259 a month? That’s the average monthly benefit paid by Social Security Disability Insurance in October 2019. Disability Income Insurance Quick Quote Income Protection Solutions See brochure Disability income insurance fair questions and important answers See brochure Videos to view Play Video EDUCATIONAL Day in Life - disability income insurance You work hard for your money. It’s what pays the bills, supports you and your family and enables you to invest in your future. What if something happened and you couldn’t work? (3:05) Play Video CLIENT STORY Providing for your family - disability income insurance Tim Epperson enjoyed providing for his wife, Carisa, and his two children; then a sledding outing changed their lives forever. But, because of a decision they made years earlier, Tim can still be the provider he always wanted to be. (5:31) Play Video SOLUTIONS AND STRATEGIES Consider your chances There's a lot of chance you encounter along life's journey. If you're not planning for chance, chances are you're risking your financial future. (4:12) Talk to an advisor Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now. Find an advisor *Per IRC § 104(a)(3) All guarantees are based on the continued claims paying ability of the issuing company. Before you purchase, be sure to ask your financial advisor about the insurance policy’s features, benefits and fees, and whether the insurance is appropriate for you, based upon your financial situation and objectives. RiverSource Disability Income insurance policies have certain exclusions, limitations, provisions for reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and details, talk to your financial advisor. 111689 Home Retirement and Protection Have Enough Money to Retire Grow My Money Tax Strategies Volatile Markets Protect What Matters Most Protect My Business Plan for Future Expenses Annuities Variable Annuities Optional Benefits Structured Annuities Immediate Annuities Servicing Forms Performance and Rates Annuities Shareholder Documents Insurance Life Insurance Term Life Insurance Universal Life Insurance Variable Universal Life Insurance Long-Term Care Insurance Disability Income Insurance Insurance Strategies Tax-Efficient Retirement Children's Insurance Estate Planning Wealth Transfer Performance and Rates Insurance Shareholder Documents About Us History Our Commitment Ratings and Rankings Leadership Contact Us Annuity Client Login Financial Professionals ANNUITIES AND INSURANCE NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT BANK, CREDIT UNION OR SAVINGS & LOAN GUARANTEED • VARIABLE PRODUCTS MAY LOSE VALUE Corporate Entities and Important Disclosures | Website Rules and Regulations | Internet Privacy Statement | About Email Fraud © 2021 RiverSource Life Insurance Company, Minneapolis, MN. All rights reserved. Users of this site agree to be bound by the terms of the RiverSource Website Rules and Regulations. This information is for a general audience and is not intended to address individual financial situations or needs. RiverSource Life Insurance Company/RiverSource Life Insurance Co. of New York does not provide investment advice. Annuity and insurance products are issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Variable products are distributed by RiverSource Distributors Inc., Minneapolis, Minnesota, Member FINRA.