Rethink disabilities.

Chances are, if you live long enough, you will most likely experience a disability in your lifetime.

That’s why disability insurance is so important. It provides a portion of your income if you’re unable to work. In fact, you can also call it income insurance.

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

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Answer a few quick questions to estimate the amount of coverage you need.

The amount of disability insurance to buy depends on the monthly expenses needed to maintain your current standard of living.

1 in 4 of today’s 20-year-olds will become disabled at some point in their career,

according to the Social Security Administration.

What is disability insurance?

We have some answers to common questions about disability insurance so that you can make informed decisions about protecting your paycheck.

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How do you get disability insurance?

The main ways to get disability insurance are through your employer, through a professional organization, or on your own by working with a licensed insurance agent. There are pros and cons to each.

Rethink disabilities, and rethink disability insurance.
Get insurance for your income today.


Let’s connect.

May is Disability Insurance Awareness Month
Disability Insurance 101 video thumbnail with play button
Myth! I don't need disability insurance because I have it through work.
Real Life Stories quote from Scott Rider, former financial advisor who was diagnosed with Parkinson's at age 47: "Parkinson's disease has changed the course of our lives forever, but the disability insurance I bought early in my career has made 'life' possible."


Do I need disability insurance if I work?

Disability insurance is something anyone who works and has earnings should consider. That’s because one in four people today will become disabled¹ and potentially face financial hardship at some point during his or her working life. Disability insurance income helps cover expenses if you can’t work because of an illness or injury. There are disability insurance policies tailored to workers in specific professions as well as disability insurance for self-employed individuals.

How much does disability insurance cost?

The cost of disability insurance depends on several factors. Just some include your benefit amount, benefit period, occupation, health status, age and terms of the policy. As a general rule of thumb, the disability insurance cost for a long term individual policy is 1% to 3% of your annual salary.

What are the types of disability insurance?

There are two main types of disability insurance: short-term disability insurance and long-term disability insurance. Short-term disability insurance covers lost income for about three months while long-term disability insurance typically pays a portion of your lost income for anywhere from one year to your entire life.

¹ Social Security Administration, Social Security Basic Facts, 2021

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