Disability Insurance A 20-year-old worker has a 1-in-4 chance of becoming disabled before reaching full retirement age.* Whether you are a business owner or an employee, how would you supplement lost income if you were unexpectedly injured or disabled? Unfortunately for many, it could mean dipping into your savings or future retirement income. Disability insurance can serve as the cornerstone of individual and business income and expense protection. Disability coverage helps replace part of your income that you would lose should you be unable to work due to an illness or injury. Just as you would protect your car, your home, and your health, protect your paycheck with disability insurance.With disability coverage, you can feel more secure knowing that you will continue to receive a monthly income even if the unexpected happens and you are unable to work.*“Disability Benefits.” Social Security Administration.