Regardless of what job you have, everyone can benefit from Disability Insurance, especially if:

• You work in an injury-prone or physically intensive position.
• You work at a desk (years of prolonged sitting, static posturing, and typing can take a toll on your body).
• You earn a high income or work in a specialized role (with higher earnings come higher expenses).
• You’re self-employed (you might not have access to traditional employer benefits).

Serious injuries aren’t just stressful; they’re financially draining. In the absence of a salary, your savings can dry up quickly. Depending on your condition, you might need medication, medical equipment, or long-term therapy. That’s in addition to all the indirect costs of living with a disability, like travel expenses, childcare, and cleaning services. Then, there’s your mortgage, your loans, your day-to-day living expenses, and more.

It’s hard to picture a future where you can’t work if you’re in perfect health right now. But you never know when you’ll suffer a disability. Even a small accident or fall on your way home can leave you hospitalized or bedridden for months. And the stress of worrying about your next bill might make you even sicker.

Your best bet? A private plan that allows you to customize coverage to your needs and stays with you across employers or job changes. Our Protect & Perfect approach will help you protect your greatest assets—your home, your car, and most importantly, your earning power—so you can focus on what’s most important—your recovery.

When it comes to injury, most people jump to the worst-case scenario: a sudden accident, a lost limb, or maybe even paralysis. But the most common causes of disability are actually back pain, stress, and fatigue. And the real worst-case scenario? Not being able to work, pay your bills, or provide for yourself or your family.

So when should you get insurance? Sooner rather than later. The older you are, the likelier you are to develop an injury or a chronic condition, and the higher your premium will be.

The right type of coverage for you will depend on your needs—your family, lifestyle, and your budget. But even if your employer provides you with Disability Insurance, it’s still worth thinking about getting your own private plan since it will continue to protect you regardless of any changes in your employment status. Plus, not only will a personal policy integrate with your existing group plan to supplement your monthly benefits, but you’ll be able to customize it to bridge any gaps that exist in your employer’s plan.