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 to buy a parachute after you’ve jumped.
Here’s why it’s smart to act now.
💡 1. You’re More Vulnerable Than You Think
You might feel healthy and active now—but so did the millions of working adults who had to stop working due to illness or injury. In fact:
- 1 in 4 of today’s 20-year-olds will experience a disability before reaching retirement age.
- Most disabilities aren’t caused by freak accidents—they stem from back issues, mental health conditions, cancer, and chronic illness.
If you’re in your 20s or 30s, you could be without a paycheck for decades if something unexpected prevents you from working. That’s a long time to rely on savings or family support.
💰 2. It’s Cheaper When You’re Young and Healthy
Just like with life insurance, the younger and healthier you are, the lower your premium. Waiting until you’re older—or until a health issue develops—could mean:
- Much higher premiums
- Limited coverage options
- Risk of being denied coverage altogether
Locking in a policy while you’re young means you get better rates and long-term protection.
⛑️ 3. Group Benefits May Not Be Enough
Even if your employer offers disability insurance, it may not cover all your needs. Common limitations include:
- Only covering 40–60% of your income
- Taxable benefits if the employer pays the premium
- No portability if you change jobs
An individual policy can supplement your group plan, offer stronger protection, and stay with you no matter where your career takes you.
🛡️ 4. Your Income Is Your Safety Net
Think about everything your income supports: rent or mortgage, student loans, groceries, future plans, and retirement contributions. If you lost that paycheck, how long could you realistically stay afloat?
Disability insurance protects your income so you can focus on healing—not how to pay the bills.
📈 5. It’s an Investment in Your Future Stability
Buying disability insurance now isn’t just about protecting today—it’s about planning for the long-term. It means you’re prioritizing your:
- Financial independence
- Lifestyle continuity
- Long-term wealth building
It’s a smart move that pays off in peace of mind.
📩 Don’t Wait for “Someday” — Plan Today
You’re healthy now, and that’s the perfect time to prepare for the what ifs. Don’t wait until it’s too late.
👉 Contact us today to learn more about your disability insurance options or to get a personalized quote. Your future self will thank you.
📚 Sources
- Social Security Administration – Disability Facts
About 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67.
https://www.ssa.gov/disabilityfacts/facts.html - Council for Disability Awareness
Most long-term disabilities are caused by illnesses rather than accidents.
https://disabilitycanhappen.org/disability-statistic/ - U.S. Bureau of Labor Statistics – Employer-provided benefits
Group disability plans often cover only 40–60% of income and may be taxable.
https://www.bls.gov/ncs/ebs/benefits/2023/ownership/civilian/table16a.htm - National Association of Insurance Commissioners (NAIC)
Disability insurance is most affordable when you’re young and healthy.
https://content.naic.org/article/consumer-insight-if-disability-were-keep-you-earning-living-how-would-you-pay-your-bills
