A A A Login Careers Contact Us Español (800) 437-7355 About Us Products Learning Center Policyowners Agents Become an Agent Products / Disability Income Insurance / Individual Coverage Disability Income Insurance Your income is one of your most valuable assets. It allows you to maintain your standard of living, pay bills, save for the future and enjoy life’s simple pleasures. In short, your income provides the foundation for life as you know it. Have you considered what would happen if you couldn't work to earn your income? Individual Coverage Business Expense Customize Your Policy Request an AgentGet a Quote What is disability insurance? Your everyday life and future plans could quickly be affected should you experience an income-interrupting illness or injury and become unable to work. Many assume there is already a fallback plan to protect their income, but often discover too late that may not be the case. Disability income insurance (DI) can help by providing a monthly benefit you can use to pay your basic expenses, such as your mortgage, utilities and groceries, in the event of a covered disability. Mortgage. Utilities. Groceries. Understanding DI is as Simple as 1-2-3 Many people are unfamiliar with DI and don't know where to start when exploring a policy that will fit their needs. Terms such as "benefit period" and "elimination period" can be intimidating at first, but answering these 3 questions can help make it easier to understand your DI options and will assist you and your agent to design the right DI plan for you: How much do you need to cover your basic monthly expenses? This is your "benefit amount." How long might you need DI benefits to last? This is your "benefit period." How long could you go without a paycheck? This is your "elimination period." Is your income protected? It should be. Wondering how much coverage you might need? Find out with our DI Needs Calculator Return of Premium (ROP) Rider Available at additional cost, the ROP rider provides DI coverage if you need it, and money back if you don’t. This rider allows for 100% return of premium paid, less any benefits received, from ages 65 to 67. Beginning with the 5th policy year, you may receive a portion of the premiums paid, less any benefits received. The policy ends after the return of premium is paid and may not be reinstated. W-2 Employee Occupation Class Upgrade If you are a W-2 employee in an eligible paraprofessional or skilled trade occupation applying for DI, Illinois Mutual may be able to offer you a “one-class” occupation upgrade, which can lower your costs!1 Ask your agent or Illinois Mutual for more details and to find out if you're eligible! Do more with Disability Income Insurance from Illinois Mutual Customize your DI policy Your agent can help you personalize your plan with several optional riders that offer additional protection at additional cost. See what riders are available Need to protect your business, too? A business expense (BE) policy from Illinois Mutual can help keep your business viable if you suffer a total disability. Find out more Ready to get started? Now is the best time to talk to an agent about your coverage needs. Request an Agent Get a Quote Are Illinois Mutual DI products available in your state? Find out with our interactive map Learn more about Disability Income Insurance Compassionate and Timely Claims Processing Watch this overview of what to expect when submitting a potential disability insurance claim. Which Job Would You Choose? See how disability income insurance (DI) from Illinois Mutual can work for you. Disability Coverage for a Stable Future DI helped him go on without worry. Hear firsthand how. Contact Illinois Mutual (800) 437-7355 Send us an email Mon. - Thurs. 7:45 a.m. - 4:30 p.m. CT Fri. 7:45 a.m. - 12:15 p.m. CT 300 SW Adams Peoria, IL 61634 Life Insurance Term Life Return of Premium Term Whole Life Disability Insurance Individual Business Expense Worksite Insurance Term Life Accident Critical Illness Short Term Disability - Individual Short Term Disability - Group Work with Illinois Mutual Become an Agent Careers Occupation upgrades are limited to one class. Not available to Class 4 occupations or chiropractors. The class upgrade can be denied at the underwriter’s discretion on above-average risk cases. Part-time occupations are restricted to a maximum 5 year benefit period. Total Disability for any one period of disability starting while this policy is in force means: During the first 24 months, your inability to perform the substantial and material duties of your occupation and you are not engaged in any other occupation for wage or profit. After 24 months, your inability to perform the substantial and material duties of any occupation for wage or profit in which you might expect to be engaged, with due regard to your education, training, experience and you are not engaged in any occupation for wage or profit. The definition of Total Disability differs in LA and UT. Policy Form DI105, Disability Income Policy; Policy Form BE105, Business Expense Policy; Policy Form 9266, Return of Premium Rider Not available in AK, CA, DC, HI, NY or VT. Coverage and availability may vary in other states. For policy costs and details of coverage, limitations, exclusions and terms, contact Illinois Mutual. If any discrepancies exist between this communication and the policy, the terms of the policy will control. Illinois Mutual, its agents and representatives may not give legal or tax advice. An accountant or attorney should be consulted regarding individual circumstances. 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