What is Disability Insurance?

The fact is that no one would like to imagine what life would be if disability strikes. But a study has shown that a 20-year-old worker has a 30% possibility of getting disabled before the age of retirement. Since the ability to work seems to be the largest asset of people, the situation would be unbearable or even miserable if a disabled person lost the job and could never generate income for the rest of his life. However, things have changed a lot with disability insurance.

When people can’t work due to injury or illness, disability insurance will work to protect their financial future. As one of the most ignored insurance types that few people buy, it will ensure the beneficiary’s income against any risk that would make working impossible by paying a recurring amount of money to the injured person on a regular basis, typically monthly.

Disability Insurance Basics

Here are the basics of disability insurance, explaining what it is, how it works, and what different options are available.

Who Needs Coverage?

Do you need disability insurance? Find out if you require coverage to protect your wages in case of an accident, illness, or injury.

Choosing the Right Policy

Once you know that you need a policy, the next step is to select one that suits your needs. The helpful agents at Got DI can help you pick the options and policy riders that construct a package.

Types of Disability Insurance

There are many different occupations that require coverage and we provide a list of the jobs we service. Check to see if your occupation is represented.


What alternatives are out there? Find out about other ways to save money and prepare for your future, including having an emergency fund, social security, and borrowing.


Frequently asked questions are answered in this section.


Common disability insurance terms are defined for your convenience.

Top Providers

The different insurance providers and services we work with are listed on this webpage. Learn the advantages of premier nationwide carriers.