Artwork by
@solcotti

May is

Disability Insurance Awareness Month

If you rely on your income, then you need to protect it with disability insurance. It replaces a portion of your income if you’re sick or injured and unable to work.

There’s a lot to consider, so let us help you with the basics.

Artwork by
@solcotti

Life Insurance 

Disability Insurance 

Long-Term Care Insurance 

Annuities 

How much disability insurance do you need?

Answer a few simple questions to estimate the amount of disability insurance coverage you need to take care of your family. This is an estimate only. For a complete assessment, contact a financial professional.

Find a Financial Professional

Determining how much and what kind of insurance to buy is one of the most important financial decisions you’ll make. Many people choose to work with a financial professional who will conduct a comprehensive financial needs analysis, and walk you through the multitude of questions you need to consider to determine how much and what kind of insurance is right for you.

Get started with our locator to find a financial professional in your area.

Headshot of Mike Sizemore, disability insurance Real Life Story

Real Life Story

“Disability insurance is so important because we really don’t know what’s going to happen next.”

At 27, Mike was living two of his dreams: training to participate in his first marathon and working at a nonprofit organization. Suddenly, both of those dreams came crashing down as he crossed the street one night, and a drunk driver hit him after running a red light. Thankfully, the disability insurance he had at the time of his accident a decade ago continues to help him today.
Have your own story to share? Submit it here.
NAIFA

As of 2024, Life Happens became part of the National Association of Insurance and Financial Advisors, which was a key founding member in 1994. The newly expanded organization, which also includes the Society of Financial Service Professionals, leverages each organization’s strengths to create a greater impact for the industry, financial service professionals and consumers. Learn more here.

Our partners support our mission.

2025 Top Supporters

State Farm
MassMutual
Pacific Life
USAA
Colonial Life
Corebridge Financial
Erie Insurance
Nationwide
New York Life
Protective Life
Corebridge Financial
Southern Farm Bureau
Farm Bureau Insurance of Tennessee
Equitable
State Farm
MassMutual
Pacific Life
USAA
Colonial Life
Corebridge Financial
Erie Insurance
Nationwide
New York Life
Protective Life
Corebridge Financial
Southern Farm Bureau
Farm Bureau Insurance of Tennessee
Equitable

According to our new survey …

People say adulthood—when life, money and the future start to feel real—begins at age 27.

Our Scholarship

“Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.”

  • Miranda Rivera, whose father died at 44 years old without life insurance

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

Our Scholarship

“Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind.”

  • Miranda Rivera, whose father died at 44 years old without life insurance

The Life Lessons Scholarship Program grew out of our desire to support students who are struggling financially when there wasn’t a life insurance safety net in place after the death of their parent.

Donate if you’re able: 100% of the proceeds goes directly to the students.

From the blog

18 Is No Longer an “Adult”

18 Is No Longer an “Adult”

When your 18th birthday comes, it isn’t like someone magically waves a magic wand and you become an adult. Of course—legally—you can do things you couldn’t before: vote, sign ...
How We Protect Our Blended Family

How We Protect Our Blended Family

“When we, as LGBTQ+ adults, make the decision to get into a relationship and start a family, it’s not always with the support of our own family.” That is a poignant statement ...

About Life Happens

Life Happens’ mission as a nonprofit is to give you unbiased information to help you make smart insurance choices to protect your loved ones.

Annual Report

Learn more about our impact in our latest annual report.

Research

People say adulthood—when life, money and the future start to feel real—begins at age 27.

See more from our new survey, “Adulthood Across Generations.”

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