Many young professionals believe they’re invincible. They assume they’ll never face a serious disability that keeps them from working. But what if you do?
The Reality of Disability Risk
Studies show that younger individuals actually have a higher chance of long-term disability than older ones. According to the Journal of the American Society of Certified Life Underwriters:
- A 25-year-old with a long-term disability (90+ days) will, on average, be unable to work for 4.3 years.
- A 35-year-old could be out of work for 5.1 years.
That’s years, not months. Without disability insurance, that lost income adds up quickly:
- A 25-year-old earning $96,000 a year could lose over $400,000.
- A 35-year-old could lose nearly $475,000.
Disability Insurance: Your Financial Safety Net
If your ability to earn a living is your greatest asset, why wouldn’t you protect it? Disability insurance ensures that even if an illness or injury prevents you from working, you still receive income to cover your expenses.
Not having coverage is like driving full speed toward financial ruin—with no brakes. While disability insurance won’t replace 100% of your salary, it provides essential income protection.
Don’t wait until it’s too late. Explore disability insurance today to safeguard your financial future.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
