Disability Insurance: Why It Matters More Than You Think

Disability Insurance: Why It Matters More Than You Think

If you earn an income, you need to protect it.
It’s that simple.

Most people don’t think about disability insurance until it’s too late—until they’re injured, sick, or unable to work. But the best time to get disability coverage isn’t when something happens. It’s before.

What is Disability Insurance?

It’s not just for “disabled” people. It’s paycheck protection.
If you get sick or injured and can’t work for a while, disability insurance replaces part of your income—typically around 60%—so you can still pay the bills and stay afloat.

For Employees: Protecting Your Prime Earning Years

If you’re in your peak working years and earning the most you ever have, this is the time to lock in coverage.
Why? Because disability insurance is based on two things:

• Your current income

• Your current health

Once you’re locked in, your policy won’t follow your job—it follows you. That’s why a private policy is often better than relying on coverage through your employer. If you leave or change jobs, your private coverage stays in place.

For Entrepreneurs and Business Owners

If you run your own business, you are the business.
That means if you can’t work, your business probably can’t run. Disability insurance for self-employed professionals protects your income when there’s no company safety net.

You can qualify based on your self-employment income—but again, you must be healthy to get approved.

For Women: Don’t Wait Until It’s Too Late

One of the best-kept secrets?
Disability insurance can be used during pregnancy—but only if you get it before you become pregnant.

Many women assume maternity leave is automatically covered under FMLA or employer plans. But if you’re not eligible—or if you’re self-employed—you may have no income support during maternity unless you plan ahead.

Disability insurance can cover the postpartum recovery period, giving you peace of mind and financial stability when you need it most.

Final Thoughts

Disability insurance isn’t about fear—it’s about being smart with what you’ve worked hard to earn.
Whether you’re employed, self-employed, or somewhere in between, protecting your income should be part of your financial foundation.

Want to learn more or see if you qualify? Reach out. No pressure. Just good info.

-Cassondra, Owner of Sells Insurance