Is Your Paycheck Protected in Case You Get Sick or Injured?

Get the facts about income protection and disability.

Have you thought about how you'll pay your bills if you're injured or ill and can't work? Income protection is a good way to protect what matters to you.

Learn more by talking to your benefits administrator at work.

What's at stake? Check out the statistics below. You might be surprised to see the leading causes of disability — and who's at risk.

More than 25 percent of today's 20-year-olds will become disabled during their careers.

Source: U.S. Social Security Administration Basic Facts, 2017

The top 5 causes of disability claims that last longer than 6 months: Muscle/bone disorders, cancer, accidents, cardiovascular and mental disorders.


Muscle/bone disorders
28.6%

Cancer
15.1%

Accidents
10.3%

Cardiovascular
8.7%

Mental disorders
8.3%

Source: Council for Disability Awareness, 2015 Long Term Disability Claims Review

The top 5 causes of disability claims that last longer than 6 months: Muscle/bone disorders, cancer, accidents, cardiovascular and mental disorders.


Muscle/bone disorders
28.6%

Cancer
15.1%

Accidents
10.3%

Cardiovascular
8.7%

Mental disorders
8.3%

Source: Council for Disability Awareness, 2015 Long Term Disability Claims Review

Most Americans are financially unprepared for a period of disability.


55%
of adult Americans have no savings earmarked for emergencies.

Source: U.S. Federal Reserve Board, Report on the Economic Well-Being of U.S. Households in 2014, May 2015

Disability insurance helps you pay for things medical insurance doesn't cover: utilities, rent or mortgage, college loans, child care.
Explore how disability insurance can help replace some of your income during covered disabilities. Watch two short videos.

Short Term Disability insurance helps you pay the bills.

Long Term Disability insurance helps protect your future.

Take the next step. Talk to the benefits administrator where you work.