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Individual Disability Insurance - The Basics

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.

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Purchasing an individual DI policy – typically paying out about 60% of your income – is the only way most people can make it through a difficult time. Disability insurance policies are customized to meet an individual’s needs. The insured has several choices to make, among the most critical are:

Question about a case? Ask a diCoach.

  • The monthly benefit – This is expressed as a specific dollar amount, not as a percentage of income.

  • The benefit period – 2 years, 5 years, 10 years and to age 67 are common benefit periods.

  • The elimination or waiting period – Similar to a deductible, this is the amount of time an insured must first be disabled before qualifying for benefits. 90 days is the most common waiting period purchased.

Nate Hennessey, CLU
Individual DI
Business DI Products
Specialty Risk

Orpha Grimsrud, CLU, ChFC
Individual DI
Business DI Products
Impaired/Unique Risk

Tiffiny Schwandt
Multi-Life DI
GME/GSI sales
Online enrollment

Online Sales and Case Management Tools

  • We have developed and designed several DI specific sales and case management tools that can increase you sales and make following them through underwriting a breeze.

  • dibrokerWest's proprietary online sales and enrollment capabilities gives our producers a decided edge over the competition.