Don P. Baker 

Real estate - insurance - HEALTH consultants

DISABILITY INSURANCE

Disability insurance can replace a portion of an employee’s income if they are unable to work if they’re sick or hurt.

Income protection in times of need

Maintain your livelihood and lifestyle with disability insurance

You have insurance for your house, car and health, but if you're like many Americans, you probably don't have insurance for the one thing that pays those bills: your income. If an accident or illness prevented you from working, could you still cover your everyday expenses?

Disability insurance makes this question easy to answer. It can help protect your way of life and maintain your lifestyle if a physician determines you're unable to work due to a covered accident or illness.

 Many people forgo disability insurance because they don't think they'll ever need it. However, over 90% of disabilities are caused by common illness or conditions,1 such as:

  • Pregnancy and childbirth
  • Back and joint disorders
  • Accidents and fractures
  • Cancer
  • Heart attacks and strokes


When an accident or illness happens, the last thing you want to think about is how you're going to pay the bills. With our short-term disability benefits, you may receive financial support for up to two years, so you can focus on what really matters: recovering and getting back to work.

You can choose the appropriate benefit amount to meet your needs. No matter which amount or policy you select, benefits are:

Payable on a monthly basis directly to you (unless you specify otherwise), regardless of any insurance you may have with other companies
Able to be used to pay for whatever you like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
Potentially available if you return to work part time
Able to be kept if you change jobs

Examples of how disability insurance can help

ASHLEY: LEG INJURY

After injuring her leg while jogging, Ashley took a week of paid time off, then used her disability insurance to help cover her rent and monthly student loan payment.

LEWIS: HEART SURGERY

Lewis suffered a heart attack and had to take unpaid leave after surgery. His disability insurance helped pay his family’s bills during recovery, allowing him to protect the savings set aside to give his daughter the wedding of her dreams.

 EMILY AND BRIAN: MATERNITY LEAVE

When Emily took leave after having a baby, her disability insurance helped pay for her and Brian’s ongoing expenses so they could avoid dipping into savings.