Pay day. We all look forward to that day each pay period when we receive our reward for a job well done. But what would happen today if you didn't have a pay day, or two or 20? This could happen if you were to become sick or hurt and unable to work. You may not think it will happen to you, but the fact is the statistics are frightening. During our working years, we're more likely to become disabled than to die prematurely. Yet most of us plan for the likelihood of death by purchasing life insurance, but not for the probability of becoming disabled. Ask yourself, if you were to become sick or hurt and unable to work, how long could you survive financially without an income? Disability insurance could be the means of financial survival.

Illinois Mutual offers two individual disability insurance policies that provide a benefit if an individual becomes sick or hurt and is totally or partially disabled.

Individual Guaranteed Renewable Income Protection GR21 disability insurance policy is guaranteed renewable to age 65, which means that as long as premiums are paid, the policy can not be canceled.

Individual Non-Cancelable Income Protection NC21 disability insurance policy is guaranteed renewable to age 65, and is also non-cancelable, which means premiums can never be changed, they are guaranteed.

Click here to view sample tax forms that highlight both insurable earned income and eligible business expenses.

Both the GR21 and NC21 allow you to:

• choose a 30, 60, 90 or 180 days, or a one or two-year elimination period, or waiting periods - that is the amount of time between the beginning of the disability and the date you qualify to begin receiving benefits.
• choose a six month, one, two, five, or ten years, or to age 65 benefit period - that is the maximum length of time you will receive payment from Illinois Mutual for each period of disability.
• be covered in your own occupation for a specified period of time. The ability to perform specific activities related to your occupation is an important consideration.
• receive base benefits in addition to Social Security or Worker's Compensation.
• be covered 24 hours a day, on or off the job.
• receive tax-free benefits. When the policy premiums are paid by you, the benefits you receive are income tax free.
• receive four times the monthly benefit to spouse or estate in the event of death during a period of total disability with our built-in Survivor Benefit.
• waive future premiums and be reimbursed for premiums paid after 90 days of total disability with our built-in Retroactive Waiver of Premium.

You can choose an option that:

• returns the premiums you paid, less claims, at age 65: Surrender Value Rider.
• guards against potential inflation: Cost of Living Adjustment Rider.
• provides you with additional coverage as your income increases without medical underwriting: Guaranteed Insurability Rider.
• pays you extra benefits during the first year of disability - a critical period: First Year Monthly Benefit.
• provides you with additional coverage if unable to perform certain daily activities: Activities of Daily Living Rider.
• provides benefit in addition to monthly benefit (reduced by government benefits): Integrated Monthly Benefit Rider.
• pays you benefits from first day of total disability: Retroactive Injury Benefit.

Availability with some features and options availability may vary by state and occupation class.