Disability Income Insurance

Your income is one of your most valuable assets. It allows you to maintain your standard of living, pay bills, save for the future and enjoy life’s simple pleasures. In short, your income provides the foundation for life as you know it. Have you considered what would happen if you couldn't work to earn your income?

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What is disability insurance?

Your everyday life and future plans could quickly be affected should you experience an income-interrupting illness or injury and become unable to work. Many assume there is already a fallback plan to protect their income, but often discover too late that may not be the case.

Disability income insurance (DI) can help by providing a monthly benefit you can use to pay your basic expenses, such as your mortgage, utilities and groceries, in the event of a covered disability.

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Four DI Myths

Understanding DI is as Simple as 1-2-3

Many people are unfamiliar with DI and don't know where to start when exploring a policy that will fit their needs. Terms such as "benefit period" and "elimination period" can be intimidating at first, but answering these 3 questions can help make it easier to understand your DI options and will assist you and your agent to design the right DI plan for you:

How much do you need to cover your basic monthly expenses?

This is your "benefit amount."

How long might you need DI benefits to last?

This is your "benefit period."

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How long could you go without a paycheck?

This is your "elimination period."

Is your income protected? It should be.

Wondering how much coverage you might need?

Find out with our DI Needs Calculator

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Return of Premium (ROP) Rider

Available at additional cost, the ROP rider provides DI coverage if you need it, and money back if you don’t.

This rider allows for 100% return of premium paid, less any benefits received, from ages 65 to 67. Beginning with the 5th policy year, you may receive a portion of the premiums paid, less any benefits received. The policy ends after the return of premium is paid and may not be reinstated.

W-2 Employee Occupation Class Upgrade

If you are a W-2 employee in an eligible paraprofessional or skilled trade occupation applying for DI, Illinois Mutual may be able to offer you a “one-class” occupation upgrade, which can lower your costs!¹