Silhouette of person pushing wheelchair up hill Disability insurance can round out an employer’s health care offerings and provide valuable income protection for individuals in case they become sick or injured and are unable to work.

Disability Insurance Awareness Month is a good reminder for all of us about the need to educate clients and prospects about the benefits of disability insurance, especially as it pertains to income protection. For many working Americans, losing income as a result of a disability is not something they think will ever happen to them. However, according to the U.S. Social Security Administration, 1 in 4 of today’s 20-year-olds will become disabled during their working years.

Guardian’s Workplace Benefits Study also reveals that 55 percent of employees found the financial impact of their disability incident to be major or devastating. This reality, coupled with a growing need to offer financial protection products in the workplace, can be compelling reasons for brokers and benefits consultants to encourage the inclusion of disability insurance in a company’s employee benefits package.

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