Disability insurance protects your income

Disability income insurance* provides supplementary income if an illness or accident results in a disability that prevents you from working. It is especially important if your family relies on you as its main source of income.

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How it works

A steady income is your most valuable asset

If you become disabled, monthly benefits can help your family maintain its standard of living and continue to pay regular expenses. Affordable short- and long-term disability income insurance is available to meet a variety of needs. 

Why buy disability income insurance?

Most people understand why life insurance is important. Studies show, however, that a total disability is much more likely than dying for a person younger than 65. Disability can not only cause loss of income, but usually results in medical and care expenses which can significantly reduce savings and other financial assets. 
Many workers are covered by the Social Security disability insurance program. But Social Security has a strict definition of “disability.” And if you are only partially or temporarily disabled, you cannot receive disability benefits from Social Security. Additionally, benefits will not be paid until you have been disabled for at least five months. 

Getting a quote

An Everence representative can provide you with a
no-obligation quote on a disability insurance policy that meets your needs. 

Find a representative

Your representative will ask you a few simple questions, like your age, gender and the type of work you do. From there, you’ll be able to see several options so you can decide which policy suits you best. 
You can contact one of our many local offices located across the country or you can contact us at (800) 348-7468 or info@everence.com.

Learn more about disability insurance

What does 'standard of living' mean? 

A standard of living is the level of wealth, comfort, material goods and necessities available to a certain socioeconomic class or a certain geographic area. Learn more at investopedia. 

How does Social Security define "disability"? 

The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. 

"Disability" under Social Security is based on your inability to work. Social Security considers you disabled under its rules if: 
  • You cannot do work that you did before;
  • They decide you cannot adjust to other work because of your medical condition(s); and
  • Your disability has lasted or is expected to last for at least one year or to result in death. 


*Disability insurance products are sold through a third party brokerage arrangement