Let’s get one thing straight: your income is your most valuable asset. Not your car, not your house, not even your investments. No paycheck = no game.
Here’s a brutal fact: You’re 3X more likely to suffer a long-term disability before 65 than to die. Yet, almost no one protects their income the way they protect their life, house, or phone screen.
If you couldn’t work for months… years… ever again—what happens? Mortgage? Gone. Car? Repossessed. Savings? Poof.
Yet people still think, “Nah, I’m good.”
Why Smart Employees (and Employers) Get Long Term Disability Insurance
A Sun Life Financial survey broke it down. Here’s why people actually buy long term disability insurance:
1. Familiarity – The 401(k) Effect
People used to rely on pensions. Now? It’s all 401(k). Same shift is happening with disability insurance—once people know what it is, they want it. Because 1 in 4 workers will need it.
2. Cost vs. Risk – It’s a No-Brainer
A 25% chance of disability + complete loss of income = serious financial devastation. If you saw a 25% chance of your house burning down, would you get insurance? Exactly.
3. Other Coverage? Laughably Weak.
Workers’ comp? Only covers work-related injuries.
Social Security? So restrictive, most people don’t qualify.
Health insurance? Won’t pay your mortgage or groceries.
When long term disability insurance isn’t in place, the cost falls on YOU.
Employers: Why You Need to Offer This ASAP
The financial burden is shifting from employers to employees. But here’s the reality: a solid disability plan makes your practice, surgical center, or office more attractive.
🔹 Protects doctors, dentists, and healthcare pros from losing everything.
🔹 Fills the gaps in Social Security and workers’ comp.
🔹 Shows employees you actually care about their financial future.
Bottom Line? Get Covered Before You Need It.
The worst time to buy long term disability insurance is after you need it.
Protect your paycheck. Protect your family. Protect your future. Because once a disability hits, there’s no undo button.
Need help breaking it down for your team? Talk to a distributor about a quick, no-BS presentation.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
