Disability Income Protection Checklist

disability

Steps to protect your income if you become unable to work due to illness or injury.

1

Check your employers disability coverage

Many employers offer short-term and long-term disability insurance.

2

Calculate your income gap

Find out how much income you would lose and what expenses need coverage.

Calculate Gap →
3

Compare individual disability policies

Individual policies are portable and often offer own-occupation coverage.

4

Review the elimination period

Choose 30, 60, 90, or 180-day waiting period based on your emergency fund.

5

Understand own-occupation vs any-occupation

Own-occupation pays if you cannot do YOUR job; any-occupation is stricter.

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Disclaimer: This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Products and services mentioned may not be available in all states. All insurance products are subject to underwriting and policy terms. Consult a licensed professional for advice specific to your situation.