Disability Insurance for Couples: Why Both Partners Should Be Covered
When you’re in a relationship, you plan together. You share responsibilities, support each other, and build a future as a team. But here’s something many couples overlook in their planning: what happens if one of you suddenly can’t work due to illness or injury? It’s a difficult scenario to imagine—but an important one to prepare […]
Why Young, Healthy Adults Shouldn’t Wait to Get Disability Coverage
When you’re young, healthy, and just starting to build your career, the last thing on your mind is getting sick or injured. But here’s the truth: disability doesn’t discriminate by age—and your ability to earn an income is one of your most valuable assets. Waiting until something happens to consider disability insurance is like trying […]
The Surprising Causes of Disability That Aren’t Accidents
When you think of “disability,” what comes to mind?A construction accident? A car crash? Maybe a workplace injury? While those scenarios do happen, the reality is far different—and far more common. The truth is, most long-term disabilities have nothing to do with freak accidents. They come from everyday illnesses and health conditions that could affect […]
Rent, Kids, Loans—Who Pays When You Can’t Work?
For most of us, income is the engine that keeps life running smoothly. It covers everything—from rent or mortgage, to groceries, child care, car payments, and student loans. But what happens if that engine suddenly stalls? It’s a tough question, but one worth asking:If you were unable to work due to injury or illness, who […]
The Hidden Financial Risk of Burnout, Stress, and Mental Health Leave
We often think of disability insurance as something tied to physical injuries or catastrophic accidents. But what happens when the condition keeping you from working isn’t visible? Burnout, anxiety, depression, and other mental health challenges are increasingly common—and they’re sidelining more working adults than ever before. Yet, many people don’t realize these conditions can qualify […]
Disability Insurance vs. Emergency Fund: Why You Need Both
If you’re in your 30s or 40s, chances are you’re juggling a career, maybe a mortgage, possibly raising a family—or all of the above. You’re financially responsible, and you may even have an emergency fund tucked away for a rainy day. That’s smart planning. But here’s a question you may not have considered: What if […]
Real-World Stats: How Often Disability Happens—and What It Costs You
Many people believe that disability is a rare event, unlikely to affect them personally. However, the reality is that disability due to illness or injury is more common than most realize, and the financial consequences of being unprepared can be severe. If you rely on your income to support yourself or your family, understanding the […]
Why Self-Employed and Gig Workers Can’t Afford to Skip Disability Insurance
Being your own boss comes with a lot of freedom—but also a lot of responsibility. When you’re self-employed or working in the gig economy, you likely don’t have the luxury of employer-provided benefits like sick leave or disability insurance. That’s why protecting your income should be a top priority—and Disability Insurance is one of the […]
5 Myths About Disability Insurance—And the Truth Behind Them
When it comes to protecting your income, few tools are as essential—and as misunderstood—as Disability Insurance. Too many people skip this coverage, thinking it’s unnecessary or irrelevant to their situation. But the truth is, income protection matters for nearly everyone who works. In honor of Disability Insurance Awareness Month, let’s clear up the confusion by […]
May is Disability Insurance Awareness Month – Here’s Why It Matters
When people think about protecting their future, health insurance, life insurance, and auto insurance often come to mind. But one critical type of coverage that frequently gets overlooked is Disability Insurance. Yet, for many, it’s the safety net that can make all the difference in a time of crisis. What Is Disability Insurance? Disability Insurance […]