You know exactly how much you spend each month to maintain your lifestyle. You run the numbers on how much to save for retirement and for future financial needs. But what happens to the plan if you become sick or hurt and unable to work for any length of time?

In many ways, preparing financially for the possibility of a disability means preparing to keep your entire financial life on track. Disability, and the resulting loss of income, can totally derail your future retirement plans. By planning ahead to cover these costs during disability, you can help maintain your standard of living, protect your retirement assets, and meet your financial goals.

Disability income insurance protects your income flow by providing monthly payments if your ability to work is impaired by sickness or injury. Most disabilities in this country are caused by disease, such as heart attack or cancer. The risk of being disabled for three months or more during your working years is very real. A study for the Life and Health Insurance Foundation for Education (LIFE) puts the probability that a worker between the ages of 25 to 65 will suffer an accident or disability that keeps them out off the job for at least 90 days at 27 percent for men and 34% for women.*

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 can continue to dream of retirement, while allowing a disabling event to have minimal impact on their family's future finances.

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.