What if you or an employee suffers a disabling injury or illness and can't work?  No one likes to think about it; and many think it won’t happen to them; BUT

100 million Americans aren’t protected by private disability insurance; and

nearly 90% of disabilities aren’t work-related which makes them ineligible for workers’ compensation.


Disability coverage replaces a portion of your income by providing benefit payments when you’re unable to work due to an accident or illness.