Disability Income Insurance
HOW IT WORKS
Replaces a portion of your pay when you miss work because of a covered disability.
Why do you need disability income insurance?
Your income supports the life you enjoy today and the dreams you’re working toward tomorrow. What would happen if an illness or injury kept you from working for several months? If your paycheck stops, it can be tough to keep bills and life on track. That’s where income protection comes in.
Insure what you earn
You insure your home and your car—but your income and earning potential are more valuable than any possession. Think of disability income insurance as protection for your paycheck.
Keep finances on track
If you’re unable to work, the money from disability income insurance can help you avoid draining savings or retirement accounts.
How much disability income insurance do you need?
Everyone’s situation is different, but generally speaking, you should consider a monthly benefit that covers your monthly living expenses. For many, that amount is the same as their monthly take-home pay, generally 60–70% of their gross monthly income.
Protect your greatest asset - you
A disability is more common than many people realize - affecting roughly 25%* of working adults during their career. The good news: disability insurance is often more affordable than people expect and too valuable to go without. It helps you stay financially steady so you can focus on recovery.
Protect your future income
Disability insurance helps replace a portion of your income if you’re unable to work, so it’s important to understand your regular bills. Think about what it takes to keep your household running each month. If a disability lasts longer, you may also want to plan ahead for needs like retirement or education costs.
Key features of disability insurance
Disability insurance provides a monthly cash benefit to help replace some of the wages you lose when you’re too sick or injured to work.
Pick your coverage
There are two types of coverage available - Accident & Sickness or Accident-Only. Choose the option that fits your needs and budget.
Affordable monthly protection
Typically disability insurance costs between one and three percent of your salary. That's dollars a day to help protect your family and your lifestyle.
Flexible protection
Choose how long you wait to get paid, as short as 30 days—and choose how long you receive benefits, from one year up to retirement age.
Choose what fits your job and budget
Get benefits if you can’t do your job—whether or not you could do another job.
Pays while off work and part time
Get paid the full monthly benefit amount if you're totally disabled, and then partial monthly benefits if you return to work part time.
Insurance solutions that fit your needs
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Corie, 35
Married with a young daughter
Nurse earning $60,000/year
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I’m thankful I had help paying for my daughter’s daycare after I hurt my back and couldn’t work.”
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Brian, 45
Single with a kid preparing for college
Electrician earning $52,000/year
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I know I need a solid plan to protect my son and my finances in case I get hurt on the job.”
Already have Assurity Disability Income Insurance?
Why Assurity Disability Income Insurance?
Mutual strength
For over 130 years, our financial strength has helped people support one another through difficult times.
A force for good
As a Certified B Corporation, we work toward positive impacts for customers, employees, communities, and the environment.
Personal service
Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters.
These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.
*Social Security Basic Facts, 2025
This policy has limitations and exclusions. For costs and complete details of coverage, please contact your insurance representative or Assurity Life Insurance Company.
NOT AVAILABLE IN NEW YORK.
Policy Form Nos. I H2401, I H0920, I H0921, and Rider Form Nos. R I0929, R I2403, R I2404, R I2405, R I2406, R I2407, R I2408, R I2409, R I2410, R I2411, R I2412, R I2413, R I2414, and R I2415 underwritten by Assurity Life Insurance Company, Lincoln, NE. Policy Form No. I H1605 NY and Rider Form No. R I 1724 NY underwritten by Assurity Life Insurance Company of New York, Albany, New York.
Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.
1 Provides a 2-year benefit period with a 90-day elimination period based on a 35-year-old, non-smoking female earning $60,000 annually, total monthly premium $53.50
2 Provides a 2-year benefit period with a 90-day elimination period based on a 45-year-old, non-smoking male earning $52,000 annually, total monthly premium $39.43