A back injury. Maternity leave. A cancer diagnosis. Each year millions of people are hurt or sick and out of work. The paychecks stop. How would you manage if this happens to you?
More than 26 million Americans suffer disabling injuries each year.[1]
National Safety Council
68 million Americans have no life insurance and those with coverage have far less than most experts recommend to ensure a secure financial future for their families.[2]
Life and Health Insurance Foundation for Education
You may have health insurance, but it won't replace income. Social Security only covers the most seriously and long-term disabled. Workers' compensation is only for injuries that happen on the job. And employers are not required by the Family Medical Leave Act to continue paying employees during those absences — they are required only to hold the job.
If you miss work because of a serious illness or injury and you've lost the ability to work, who will be looking out for your finances?
Short term or supplemental individual disability can help.
If your spouse dies prematurely, how will your family manage without that paycheck?
Life insurance can help »
Also consider how our other benefits products can help: