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KEEP YOUR FINANCES HEALTHY


Even if you're sick or hurt.

Disability Income Insurance Works When You Can't

If injury or illness keeps you off the job, you can still be prepared to pay the bills.

Why Some People Think They Don't Need It

And why they might want to think again.

1. "I DON'T NEED IT, BECAUSE I'M HEALTHY."


It's easy to assume a disabling event won't happen to you, particularly if you're early in your career. But accidents such as falling down the stairs or slipping on the ice – or health events such as a heart attack or stroke – could make it impossible for you to work for a while.

2. "I HAVE ENOUGH INSURANCE THROUGH WORK."


While a contract provided by your employer sounds good, the benefits it pays could be taxed, leaving you with less income than you expect. And workers' compensation might not cover extended illnesses or injuries you suffer at home rather than at work.

3. "I'LL USE MY SAVINGS – OR I'LL QUALIFY FOR SOCIAL SECURITY."


Ongoing disability and medical bills can exceed your savings. And Social Security may deny a disability application at first. If either of those occurs, disability income insurance can help tide you over while you wait to qualify for Social Security benefits.

4. "I CAN'T AFFORD IT."


Some new contracts guarantee level premiums, which means young and healthy people can lock in a low rate. You can also buy disability income insurance that covers being out of work for a year or two, which would likely cost less than a contract protecting you all the way to retirement.

WHO IS IT FOR?

Disability income insurance addresses a range of circumstances.

MEET BEN

  • Age 28; software engineer.

  • Annual income: $85,000.

  • Employer group disability income insurance covers 50% of his salary with a limit of $4,000 per month.

  • Only about half of his income is protected if he can't work.

Solution: Individual disability income insurance contract.
The contract will follow Ben as he changes jobs throughout his career.

MEET JOHN AND JAMIE

  • Jamie has some disability coverage through work.

  • John is the primary caregiver for the kids.

  • If John were to become sick or injured, it would be difficult to cover child care and other expenses that would arise.

Solution: A disability income insurance contract that includes stay-at-home spouse coverage.

MEET MADDIE

  • Left her job to start a consulting business.

  • No longer has corporate benefits. Needs to protect her income as she builds the business.

Solution: A disability income insurance contract covering a short period and costing approximately $25 to $35 per month.
This provides protection until the new company is up and running.

calculator

DISABILITY INSURANCE CALCULATOR

Could an illness or injury hurt your income? Determine how much disability insurance can help you stay financially upright – even if you're laid low.

MORE TO EXPLORE

Read about topics that are important to you.

HOW TO PREVENT UNEXPECTED EXPENSES FROM BUSTING YOUR BUDGET


You can't necessarily call unexpected expenses "unexpected." They arise for all of us. If you're not prepared for such pitfalls, they can quickly derail your financial life. Having an emergency fund in place can provide valuable protection.

7 COMMON LIFE EVENTS THAT CHANGE YOUR NEED FOR LIFE INSURANCE


Change is inevitable. When it happens, life's big events – the celebrations and the disappointments – may be ideal times to consider if the life insurance you have is what you want. And what you need.

WHAT IS CASH VALUE IN LIFE INSURANCE?


Your insurance strategy can help provide protection and flexibility for you and your family. In particular, cash value life insurance can provide a range of options. And getting cash out of your life insurance may be easier than you think.

1 Ratings based on Thrivent's financial strength and claims-paying ability. Do not apply to investment product performance. The rating also refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company. www.ambest.com

This is a solicitation for insurance. A Thrivent Financial professional may contact you. Thrivent Financial professionals are licensed insurance agents/producers.