Disability Income Insurance 

Protecting Your Most Valuable Asset Your Ability to Earn

Have you ever had a friend or colleague get hit with unexpected health issues that left them unable to work for months—or even years? It’s heartbreaking to watch someone struggle financially while trying to recover. But what’s even harder is imagining if that happened to you or your family.

So here’s the big question:

If you suddenly lost your income, how long would you be okay?  1 in 4 of us will be faced with this.

Did you know that 1 in 4 of today’s 20-year-olds will become disabled at some point in their career?
That stat shocked me the first time I heard it—but it’s real.The truth is, disability isn’t always some freak accident. It can be stress, burnout, a surgery, a mental health struggle—life happens. And when it does, your income is what keeps everything else going.That’s why disability insurance matters. It’s not just for “later”—it’s for peace of mind now.If you’ve ever wondered how you’d keep things afloat if you couldn’t work for a few months, I’d love to help you think it through. My team at Ross Insurance Brokers is here to make it simple and find a plan that fits you.Shoot me a message or drop a comment—I’m happy to chat, no pressure at all.Let’s protect your paycheck, your future, and your peace of mind.

Most people can’t make it more than a few months without serious financial stress. That’s where disability income insurance comes in—it’s your financial safety net when life throws a curveball.

What Is Disability Income Insurance?

Disability income insurance provides a monthly paycheck replacement if you’re unable to work due to an illness or injury—whether temporary or long term. It protects your income and ensures you can still cover:

•Mortgage or rent

•Groceries and utilities

•Medical expenses

•Family needs and future savings

Your paycheck is your greatest asset. Without it, everything you’ve built is at risk.

? Why It Matters

•1 in 4 working Americans will become disabled before retirement age (SSA).

• The average long-term disability lasts 34 months.

•Most claims are due to illness, not accidents—think cancer, mental health issues, back pain, heart attacks, or injuries that happen off the job.

• 68% of private-sector workers have no disability insurance at all.

And here’s the kicker: Social Security Disability is hard to qualify for, and Workers’ Compensation only applies if you were hurt on the job.

What if the injury happens at home? Or from stress, surgery, or illness? You’re on your own—unless you have personal coverage

Disability Income insurance protects you in the case of loss of income. If you lose your ability to work, either from temporary or permanent disability, a disability claim can be made.

There are many different elements that make up a disability income insurance policy so it is important to understand when and how you will receive the disability income if the need arises. For example, you will need to know how your policy defines and covers short and long-term disability and total disabilities.

In addition, it is important to know if there is a waiting period for the income to kick-in and how or if the income from the disability income insurance policy will affect Social Security, workmen's compensation or unemployment benefits. There are also different types of policies to consider such as choosing a short or long-term policy period. Another key element to look for when choosing a policy is knowing if it covers disabilities from both accidents and illnesses.

Are you thinking that social security would cover you?

Think again. The benefits are limited. To determine your Social Security disability benefits and learn more about benefit eligibility visit www.ssa.gov/disability.

What about Workers Compensation?

Workers Compensation only kicks in if you are hurt on the job. What happens if you are hurt at home? Think disability income insurance.

What if you tore a ligament, while playing on that weekend co-ed baseball team, and had to have surgery. You'd be out of commission for awhile. Disability income insurance can also replace lost income on a temporary basis, while you heal from the hazards of being a "weekend warrior".

Your greatest asset is your ability to earn a living. Think about it—what would become of you and your family if you suddenly became disabled and were no longer able to work? Disability income insurance can play a crucial role in helping you manage your financial needs if a disabling illness or injury occurs.

How We Help

At Ross Insurance Brokers, we simplify the process:

•We explain the fine print—without pressure.

•We help you compare short-term vs. long-term options.

• We find policies that fit your budget, your lifestyle, and your future.

•We only recommend plans we’d take ourselves.

Whether you’re a desk worker, self-employed, or on the front lines, we’ve got a plan to protect your income.