What protects your paycheck?
Your income funds your lifestyle, investments, and long-term financial plans. But most employer disability benefits only replace a portion of your income.
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The simple explanation
Income protection strategies help protect your financial stability if illness or injury prevents you from working.
Your paycheck powers your financial life — from your mortgage to your retirement savings.
Three financial risks many professionals overlook
Income Protection Gap
Many employer disability plans replace only about 60% of base salary and may exclude bonuses or commissions.
Financial Disruption
A disability can interrupt retirement savings, investment plans, and long-term wealth strategies.
Family Security
Your income supports your family, your lifestyle, and your future goals.
Important disability facts
- 1 in 4 workers will experience a disability before retirement.
- The average disability lasts about 2.5 years.
- Nearly 90% of disabilities are caused by illness rather than accidents.
- Many employer plans replace only around 60% of income.
How income protection strategies help
Individual disability income insurance can supplement employer benefits and help protect your income if you become unable to work due to illness or injury.
Benefits may help cover living expenses, mortgage payments, healthcare costs, and other financial responsibilities.
Quick video overview
Ready to review your income protection strategy?
Start with the short intake to determine whether a paycheck protection strategy may be appropriate for your situation.
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