You’ve worked hard to get where you’re at. Your hard work allows you to earn an income and pay for things you need – or want – in life. If you suddenly became unable to work, your paycheck would most likely stop – making it difficult to pay your mortgage, car payment, utilities, etc. Disability insurance protects your income and your hard work if an accident or illness happens.


You work hard and your hard work pays off. It allows you to afford everyday living expenses and not so everyday living expenses. But sometimes life happens. You get in an accident or become ill and suddenly you can’t work. When you can’t work you can’t pay your mortgage or rent. You can’t afford your bills and then what? How would you manage financially? Wouldn’t you like to know? You can with disability insurance.


Disability insurance replaces a portion of your income if you’re sick or injured and unable to work. This is important because your most valuable asset isn’t your home, car or other valuables… it’s what allows you to pay for those things – your ability to earn an income. A Life Happens LINK survey says that most people couldn’t make it a month without their paycheck before having financial difficulties. In other words, if you work and rely on your paycheck, you need disability insurance.

People don't think about disability insurance and how it can protect your income.

Unfortunately, most people don’t think about getting disability insurance because…

  1. They believe a disability will never happen to them but there’s a three in ten chance of suffering a disability that will keep you out of work for 90-days or more at some point in your career.
  2. People often believe they can rely on government benefits but most long-term disabilities are not work-related and so wouldn’t qualify for workers compensation plus social security disability benefits only pay an average of $1,100 per month.
  3. People often believe they have disability coverage through work – however 70% of private employers don’t offer long-term disability insurance.


You can figure out if you have enough or what you need with Life Happens online disability insurance needs calculator. Then sit down with an agent who can help you get the right coverage to fit your budget.

Don’t just work hard… protect your hard work. Life happens, that’s why there’s disability insurance. Learn more today at


Learn everything you need to know when buying disability insurance to explain policies and options, answer common questions and help you make smart decisions.