What You Need to Know About Disability Income Insurance

When you think about disability, what comes to mind? For many people, it might be an image of getting injured at work or experiencing a catastrophic accident. However, did you know that musculoskeletal issues such as back pain and arthritis are the top cause of disabilities today? Other causes of disabilities include illnesses such as heart disease, central nervous system disorders and cancer1.

 

Most people think a disabling injury or illness will never happen to them. But the fact is, one in four 20-year-olds will become disabled before they reach retirement age2. Keep in mind that if you become too sick or hurt to work, you will still need to fulfill your financial commitments and provide for your loved ones. While Social Security Disability Insurance may help replace some of the income lost while disabled, it might only pay a fraction of your income. And unless the disability is one of the five percent that’s incurred at work, Worker’s Compensation won’t help2. That’s why having disability income insurance is key.

 

While disability benefits won’t replace your entire income in the event you were to suffer a disability, it could help you cover basics such as rent, groceries and bills. Disability income insurance will allow you to feel less financial stress as you recover and get ready to go back to work.

 

Learn more about how disability income insurance can help you and your dental practice.

 

Visit MassMutual.com to locate a Financial Professional near you.