In many ways, preparing financially for the possibility of a disability, and retirement funding are mutually supportive in securing your financial future. Each one helps replace a portion of lost earned income, meet daily living expenses and achieve a certain lifestyle. Rent, mortgage, property taxes, housing maintenance, utilities, food, clothing, car maintenance, insurance, health care and loan payments are all daily living expenses that must be considered.

Disability, the resulting loss of income, can be a major threat to your ability to earn an income and to your economic stability derailing your future retirement plans.

By planning ahead to cover these costs during disability and retirement, you can maintain your standard of living. For those people without disability insurance, the onset of a disability can derail a savings program earmarked for retirement years and run the risk of jeopardizing their financial future.

Disability income insurance protects your ability to earn an income by guaranteeing monthly payments if your ability to work is impaired by sickness or injury. Unfortunately, for many, insuring their current income and lifestyle is never addressed — an oversight that can lead to eroded retirement savings, should work disability unexpectedly strike.

Try the Disability Insurance Needs Calculator* located under the calculator section of this website to help you get an idea of the amount of disability insurance you may need.

Income Replacement, Family Protection and Estate/Asset Preservation are some of the benefits of disability income insurance. Those who prepare to protect their income during disability and retirement will remain in better control if and when those times arise with minimal impact on their family's finances today and tomorrow.