What Is Individual Disability Insurance?

Individual Disability Insurance (IDI) replaces a portion of your income — typically 60-80% — if you become unable to work due to illness or injury. Your income is your most valuable financial asset, and a disability can threaten everything you have worked for.

Most people insure their homes, cars, and health — but few adequately protect their income. Statistics show that one in four workers will experience a disability lasting 90 days or more during their working years.

SecureLife's individual disability policies are portable (they follow you if you change jobs), comprehensive, and customizable to your specific occupation and income level.

Key Benefits

Income Replacement

Receive up to 80% of your pre-disability income as a tax-free monthly benefit.

Own-Occupation Definition

The strongest policies pay benefits if you cannot perform the duties of your specific occupation.

Non-Cancelable Policies

Your insurer cannot cancel your policy or increase your premiums as long as you pay on time.

Short and Long-Term Options

Choose from short-term (3-24 months) and long-term (to age 65 or lifetime) coverage.

Partial Disability Benefits

If you can return to work part-time, residual benefits make up the difference in income.

Optional Riders

Add cost-of-living adjustments, future increase options, and student loan protection.

Who Is It For?

Individual disability insurance is essential for anyone whose livelihood depends on their ability to work — especially those in specialized or high-income professions.

Physicians, dentists, attorneys, and other high-earning professionals
Self-employed individuals without employer-provided disability benefits
Small business owners whose businesses depend on their personal income
Workers whose employer disability plan provides insufficient coverage
Young professionals whose biggest asset is their future earning potential
Anyone with significant financial obligations: mortgage, family expenses, student loans

How It Works

Define Your Coverage Needs

Your advisor helps you calculate your monthly income replacement need based on current income and expenses.

Select Your Policy Features

Choose your elimination period, benefit period, definition of disability, and any optional riders.

Underwriting and Approval

Complete a financial and medical underwriting process based on income verification and health status.

Protection Begins

After approval, your coverage is active. File a claim if disability strikes and begin receiving monthly benefits.

Frequently Asked Questions

What is the own-occupation definition of disability?

Under an own-occupation policy, you are considered disabled if you cannot perform the material duties of your specific occupation — even if you could work in another field.

How long do disability benefits last?

You choose your benefit period at purchase. Options typically include 2 years, 5 years, to age 65, or lifetime.

Is disability insurance income tax-free?

Benefits from personally purchased disability policies are generally received income-tax-free.

What is the elimination period, and how do I choose?

The elimination period is the waiting period before benefits begin — typically 30 to 180 days. Choose a period that matches your liquid emergency savings.

Individual Disability Insurance