Disability Insurance is income protection for when one is too sick or hurt to work.

Disability is more common than you think, it can happen to anyone:


of 20 year old workers entering the work force today will become disabled before retiring.


workers are receiving Social Security Disability benefits, almost half are under age 50.

Disability often keeps people out of work:

  • An illness or accident will keep 1 in 5 workers out of work for at least a year during their working careers.
  • The average long-term disability absence lasts 2.6 years.
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Disability can cause financial hardship:


Two-thirds of American families live from paycheck to paycheck.


Unexpected illnesses and injuries cause 500,000 personal bankruptcies each year.


Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death.

Social Security and Workers’ Compensation may not be adequate:


Over 95% of disabling accidents and illnesses are not work related.

SSDI Benefit

The average monthly Social Security Disability Insurance (SSDI) benefit is $1,130.


65% of initial SSDI claim applications were denied in 2012.

Do you have a disability plan at work? If not, we should talk!


Do you want to know your need for additional monthly income due to Disability?

Check out the LifeHappens Disability calculator