A Disability Could be Financially Devastating
Long Term Disability
Most of us have Life insurance to protect our families should the unthinkable happen. But what if life throws you a different kind of curveball, and you find yourself unable to work?
When we’re young and healthy, it’s difficult to imagine being physically disabled. Yet the truth is, a long term disability can be more financially devastating to a household than a death. And while both death and disability could cost millions of dollars in lost income, the unfortunate reality is that disability often adds considerable extra costs.
Discounted Income Protection Plans
Our individual plans provide coverage in the event you’re too sick or injured to work or to care for your family. Own and keep your policy, even if you change jobs.
It’s easy to take your income for granted, but if this income suddenly stopped, how would you cover expenses, maintain your household, and save for the future? Nearly 70% of U.S. adults worry about covering living expenses if faced with a loss of income.1 And it’s easy to see why—today the cost of groceries, housing, and medical bills is causing strain on even six-figure income earners.2 For those in dual income households, both incomes often play a crucial role in maintaining lifestyles. With affordability challenges, it’s no surprise that only 27% of U.S. adults have enough savings to cover six- months’ of expenses.1
Survey data reveals the longer the absence, the greater the financial strain. For those who have taken work leave due to a disability for nine months or more, 73% report a negative financial impact. For those who have taken leave for less than nine months, the strain is still significant, with 55% reporting a negative impact on their finances. Considering that the average long-term disability claim duration is three and a half years3, your current lifestyle would probably be at risk.
Disability insurance replaces a portion of your income if you’re too sick or injured to work. It’s the most comprehensive, cost-effective form of income protection out there. And like Life insurance, it’s fundamental to your long-term financial plan. Even if you have Disability insurance through your employer, a supplemental individual plan can ensure you’re adequately covered, so that during a time of physical hardship, you will be able to rest a little easier, knowing you can maintain your financial stability.
1Bankrate’s 2026 Annual Emergency Savings Report. Bankrate. www.bankrate.com/banking/savings/emergency-savings-report, January 21, 2026.
2Income Paradox Survey. The Harris Poll. theharrispoll.com/wp-content/uploads/2025/11/Income-Paradox-Survey-November-2025.pdf, November 2025.
3Guardian’s 14th Annual Workplace Benefits Study. 2025. www.guardianlife.com/reports/insuring-your-income
RECENT POSTS
Short Term Medical Plans vs. ACA Insurance Plans
Your Guide to Short Term Medical Insurance
