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Disability Insurance

Are you prepared for the case of illness or injury?

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Disability Insurance

When you think of your assets, you probably think of tangible things like your home, car, and retirement account. But, what about your ability to earn a living? At Symmetry Financial Group, we believe one of your biggest assets isn’t anything you can touch or feel; it’s your ability to work. If you’re like a majority of Americans, it would be difficult, if not impossible, to continue meeting your monthly obligations if you were to become injured or ill and could no longer work.

Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.

Why Do I Need Disability Insurance?

Most people don’t think they’re at risk of becoming disabled, but according to the U.S. Social Security Administration, one in five Americans (56 million) are currently living with a physical or mental disability. Additionally, it’s estimated that one in four of today’s 20-year-olds will become disabled before reaching their retirement age.

Without a solid disability insurance plan, your family could be at a significant risk if something unexpected happened, especially if you contribute to monthly household bills or a mortgage (most American households rely on two incomes to pay the mortgage). Relying on Social Security Disability to protect you may not be enough: it’s very difficult to qualify for Social Security Disability benefits. The Social Security Administration uses a strict definition of “disability” and requires that you be unable to work in any occupation you would otherwise be qualified for based on your education, job experience and training.

Disability insurance purchased through an insurance professional generally uses an “own occupation” definition of disability rather than the “any occupation” definition used by the Social Security Administration, so proving you have a disability is less burdensome.

How Does Disability Insurance Work?

Most people don’t think they’re at risk of becoming disabled, but according to the U.S. Social Security Administration, one in five Americans (56 million) are currently living with a physical or mental disability. Additionally, it’s estimated that one in four of today’s 20-year-olds will become disabled before reaching their retirement age.

Without a solid disability insurance plan, your family could be at a significant risk if something unexpected happened, especially if you contribute to monthly household bills or a mortgage (most American households rely on two incomes to pay the mortgage). Relying on Social Security Disability to protect you may not be enough: it’s very difficult to qualify for Social Security Disability benefits. The Social Security Administration uses a strict definition of “disability” and requires that you be unable to work in any occupation you would otherwise be qualified for based on your education, job experience and training.

Disability insurance purchased through an insurance professional generally uses an “own occupation” definition of disability rather than the “any occupation” definition used by the Social Security Administration, so proving you have a disability is less burdensome.

Other Insurances

Life Insurance

Life Insurance is an insurance product that can help protect your family in the event of your untimely death. You can make sure your family is protected with the choice of several different types of life insurance policies. 

Debt Free Life®

An Insurance Solution that grows cash value over time, which you can use to help pay off debts, incrementally. Then, save the balance for retirement, all without spending anything extra. 

Health Insurance

Health Insurance is one of those things that every family needs. We can help from preventive care to hospital care to vision, even dental. Contact us to learn more. 

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