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Disability Income

planning

The Disability Income (DI) Center

We offer a great portfolio of products (Ameritas, Assurity, Illinois Mutual, MetLife, Ohio National, Principal and Reliance Standard), graded disability plan available for impaired risks, online applications, and very competitive rates. If you need additional information of have specific questions, please contact Jim Coyle at our DI Center: jcoyle@thedicenter.com.   

Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example the inability to focus or maintain composure as with psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second. In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.