Could you continue to take care of your family and pay your bills if you were sick or injured and unable to work for any length of time? Do you know how much money would be coming in each month—and from where —if you were to become disabled?

Not everyone is covered for disability income. Some can rely on their employer’s group disability coverage. Others are covered by government disability programs. But, for many people, an illness or injury that stops their paychecks would create problems for them and their families.

Disability income insurance can help. It is designed to replace a major portion of income when sickness or injury prevents a person from earning a living. It can help pay regular monthly bills while a person is recovering, but is still unable to do his or her job.