Open main menu Open login menu Agent Center For Individuals. Disability Income Insurance HOW IT WORKS Replaces some of your regular income if an injury or illness makes it impossible for you to work. Why do you need disability income insurance? If illness or injury kept you from bringing home a paycheck, how would your family make ends meet? Disability income insurance can help. It replaces some of your lost income so you can continue to pay your mortgage, utilities, childcare, and other everyday expenses. Insure what you earn You insure your home and your car—but your income and earning potential are more valuable than any possession. Think of disability income insurance as protection for your paycheck. Keep finances on track If you’re unable to work, the money from disability income insurance can help you avoid draining savings or retirement accounts. How much disability income insurance do you need? Everyone’s situation is different, but generally speaking, you should consider a monthly benefit that covers your monthly living expenses. For many, that amount is the same as their monthly take-home pay, generally 60–70% of their gross monthly income. Your best financial asset: You Compared to the recession in 2009, most Americans feel better about their financial situation today. If the past has shown us anything, it is the importance of our income. Protecting your income in case something unforeseen happens is sound financial planning. Don't bite off more than you can chew Can’t afford that much coverage right now? Pick a benefit amount that covers a few of your biggest monthly expense items, like your mortgage, student loans or utilities. Some income replacement is better than nothing. Key features of disability insurance Disability insurance provides a monthly cash benefit to help replace some of the wages you lose when you’re too sick or injured to work. Affordable monthly protection Typically disability insurance costs between one and three percent of your salary. That's dollars a day to help protect your family and your lifestyle. Flexible coverage Choose how long you wait to get paid, as short as 30 days—and choose how long you receive benefits, from one year up to retirement age. Pays if you can't do your job, not just any job Get paid if you can't work at your regular job for up to 2 years, even if you still might be able to work in another job. Pays while off work and part time Get paid the full monthly benefit amount if you're totally disabled, and then partial monthly benefits if you return to work part time. Insurance solutions that fit your needs Corie, 35 Married with a young daughter Nurse earning $60,000/year I’m thankful I had help paying for my daughter’s daycare after I hurt my back and couldn’t work.” DISABILITY INCOME INSURANCE 2-year benefit period, 90-day elimination period $3,400 monthly benefit amount About $54 a month1 Brian, 45 Single with a kid preparing for college Electrician earning $52,000/year I know I need a solid plan to protect my son and my finances in case I get hurt on the job.” DISABILITY INCOME INSURANCE 2-year benefit period, 90-day elimination period $1,100 monthly benefit amount About $40 a month2 Did you know? 1 in 4 people over the age of 20 will become disabled during their working lives (U.S. Social Security Administration, Fact Sheet, 2018) 90% of long-term disabilities result from illnesses rather than accidents (Council for Disability Awareness, 2018) 7 in 10 working Americans couldn’t make it a month without a paycheck before having financial difficulties (Life Happens survey, 2018) Already have Assurity Disability Income Insurance? Make a payment Change your name or address Ask a question Visit the customer center for more options Why Assurity Disability Income Insurance? Mutual strength For over 130 years, our financial strength has helped people support one another through difficult times. A force for good As a Certified B Corporation, we work toward positive impacts for customers, employees, communities, and the environment. Personal service Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters. Learn more about how Assurity works for you Assurity also offers disability income benefits at your work. Your employer may offer Assurity Disability Income Insurance as part of the benefits you can purchase at work. The way it works is similar, but the policy details will be specific to your organization. GET BENEFITS AT WORK These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. Important Disclosure Information About Us About Us Our Products Life Insurance Talk to Us Contact Us Customer Center Agent Center Join our team © 2021 Assurity Group, Inc Privacy & Consumer Notices | Accessibility Statement