Individual Disability Insurance

Individual disability income insurance provides income replacement if you are unable to work due to illness or injury. It is a personal policy that ensures financial stability during periods of disability.

The cost of individual disability insurance depends on factors such as your age, occupation, health, and the coverage amount. Additional riders, like cost-of-living adjustments, can also impact premiums.

Unlike employer-sponsored plans, individual disability insurance is purchased personally and is not tied to your job. This means you can maintain coverage even if you change jobs or become self-employed.