You’re interested in protecting your income. That’s smart. After all, it’s probably your most valuable asset. If you become too sick or injured to work, how would a loss of income affect your lifestyle, family and goals?
Just like you insure your car or home, you can get insurance that protects your income. If you become too sick or injured to work, disability insurance can help replace part of your paycheck. Medical insurance pays your doctor — disability insurance pays you.
You can't predict a disabling accident or illness. But you can have a plan in place to help protect your income and maintain your financial security.
If your employer offers Short Term and Long Term Disability insurance, make sure to take advantage of these essential benefits. Group coverage offers competitive rates and easy payroll deduction.
Why You Need Disability Insurance
How long could you cover expenses without your paycheck? Learn why you need disability insurance.
Get More Facts
Social Security disability benefits are modest. The average Social Security Disability Insurance monthly payment is only $1,165.
Explore Individual Income Protection insurance if you don’t have coverage at work — or want to add more. You may be able to protect a greater share of your income than you expect.
Why Income Protection Matters
Do you have a coverage gap? Learn how individual income protection coverage can help close it.
How to Protect Your Lifestyle
Explore flexible income protection that’s made for you, and includes a unique Family Care Benefit.
will become disabled before reaching age 67.
— 56 million people — live with a disability.
live with a severe disability.
Source: Social Security Administration
The unique Family Care Benefit2 can help you take time for a seriously ill or injured family member. It is offered only with an Individual Disability Insurance policy from The Standard.
Meet some people who speak from the heart about why they value a caregiver benefit.
Check out all the benefits disability insurance offers. It can even help you get back to work.
See all the reasons to own individual income protection insurance. And how to protect your business.
Your advisor can help you decide if personal income protection makes sense for you – even if you already have coverage through work.
1 Caregiving in the U.S. 2015, National Alliance for Caregiving (NAC) and AARP Public Policy Institute.
2 The Family Care Benefit is not available in Connecticut or New York. Additionally, employers may choose to remove the Family Care Benefit from a Guaranteed Standard Issue plan.
The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.