If you don’t work, nothing else works. Your small business owners and self-employed clients generally only get paid when they work. What do these people do if an injury or illness prevents them from earning a paycheck? Individual disability insurance is income protection – replacing a portion of your clients income and helping minimize disruptions to daily life during a tough period.

Individual disability insurance can also help keep your clients on track for their long-term financial goals.

Most workers in the United States participate in the federal government’s Social Security Disability Insurance (SSDI) through their employer. Using your income and work history to determine how much government benefit, the federal government admits:

"Relying on SSDI benefits alone would leave many families near or below poverty, as defined by the U.S. Department of Health and Human Services Federal Poverty Guideline."
​* National Association of Health Underwriters - Guide to Disability Income Insurance.