Family enjoying the park together
Help Stay Financially Fit No Matter What Life Brings You

Disability Income Insurance

Studies indicate that slightly more than 25 percent of today's 20-year-olds will become disabled before turning 67. What would you do if you were diagnosed with an illness or experienced a serious accident that left you disabled and unable to work? Hopefully, that will never happen, but having a plan B to fall back on could give you and your family more financial stability in adjusting to a reduction in your household income. Disability income insurance can offer you that kind of future protection and greater peace of mind.

Disability income insurance provides you with supplementary income in the unfortunate event that an illness or accident results in your disability, preventing you from working. If you become sick or injured and disabled, you may be able to rely on short-term savings for a little while, but you also will need a dependable long-term plan for income. Social Security disability benefits may provide an additional financial safety net, but you may not start receiving these payments for months. Some disability income insurance policies could start paying you benefits after only 30 days.

dad daughter at park; disability income insurance

How Disability Income Insurance Can Help You Out

Western & Southern can offer you two different types of disability income insurance policies:

  • Own Occupation — This policy covers you if you became disabled and unable to perform the majority of occupational duties that you have been trained to perform. 
  • Any Occupation — This policy covers you if you become disabled and unable to work in any job that would be reasonably suited for you based on your education, experience and age.

Disability income policies have different waiting or qualifying periods, which refers to the number of continuous days of being totally or partially disabled before your benefit begins. You can choose a waiting period of 30, 60, 90, 180 or 365 days. The longer your waiting period, the less expensive your coverage will be. The longer your benefit period, the more expensive your coverage will be.

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Western & Southern Agency, Inc. is a member of the Western & Southern Financial Group (Western & Southern). Disability income insurance products available at Western & Southern are issued by third party insurance companies, which are not affiliated with any Western & Southern company. Western & Southern Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

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