Everyone’s situation is different, but generally speaking, you should consider a monthly benefit that covers your monthly living expenses. For many, that amount is the same as their monthly take-home pay, generally 60–70% of their gross monthly income.

Compared to the recession in 2009, most Americans feel better about their financial situation today. If the past has shown us anything, it is the importance of our income. Protecting your income in case something unforeseen happens is sound financial planning.

Can’t afford that much coverage right now? Pick a benefit amount that covers a few of your biggest monthly expense items, like your mortgage, student loans or utilities. Some income replacement is better than nothing.

Disability insurance provides a monthly cash benefit to help replace some of the wages you lose when you’re too sick or injured to work. 

Choose how long you wait to get paid, as short as 30 days—and choose how long you receive benefits, from one year up to retirement age.  

Pays while off work and part time.   Get paid the full monthly benefit amount if you're totally disabled, and then partial monthly benefits if you return to work part time.

Pays if you can't do your job, not just any job - Get paid if you can't work at your regular job for up to 2 years, even if you still might be able to work in another job.

Paycheck protection can cost as little as one percent of your income. That's dollars a day to help protect your family and your lifestyle.  It’s hard to think about insurance versus all those other things you buy. But protecting your income helps you live your best life in the long run.

How much does paycheck protection stack up against other things you buy each month?

Think about these monthly average costs and compare to yours. 

Car Insurance: $110, Dining Out: $293, High Speed Internet: $68, Cell Phone: $127

It may not happen to you — but more than 1 in 4 people over the age of 20 will become disabled during their working lives (U.S. Social Security Administration, Fact Sheet, 2018)

90% of long-term disabilities result from illnesses rather than accidents (Council for Disability Awareness, 2018)

7 in 10 working Americans couldn’t make it a month without a paycheck before having financial difficulties (Life Happens survey, 2018)

For some people, Paycheck Protection makes a big difference in their daily lives.