Is DI + ROP Right for You?

If you experienced a disabling illness or injury and were unable to work, how would you pay your monthly living expenses? Disability income insurance (DI) can help protect your income, and by adding the optional Return of Premium (ROP)* rider, you have coverage if you need it with the potential for cash back if you don’t.

Providing for loved ones is a priority. DI + ROP can give you the best of both worlds: coverage if you need it and the potential for cash back if you don’t.

Nearly 78% of Americans would experience financial difficulties if their paychecks were delayed for a week.^**

Savings can run out quickly. DI coverage can offer a monthly benefit if a covered disability occurs and you are unable to work. By adding the ROP rider, you can have coverage if you need it and the potential for cash back if you don’t.

Employer-provided short-term disability (STD) and long-term disability (LTD) insurance can offer valuable protection, but these group plans often come with significant coverage gaps. Individual DI may provide a larger benefit amount—and ROP could return your premiums if you don’t use it.

Illinois Mutual’s DI + ROP provides 24-hour coverage. No matter where a covered disability happens, you're protected—and ROP enhances the value by offering the potential for money back.

Illinois Mutual’s DI + ROP provides 24-hour coverage. No matter where a covered disability happens, you're protected—and ROP enhances the value by offering the potential for money back.