Disability Income Insurance, is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. In other words, it answers the question, "How would I pay for my living expenses if I became unable to work?"

Disability Income Insurance

Your lifestyle: Something to think about.
When you are healthy and working, it is hard to imagine being disabled by illness or injury. Nevertheless, it can happen. In fact:

One in 3 working Americans will become disabled for 90 days or more before age 65. *

The average disability absence is 2 and a half years. *
More than 80% of working Americans do not have disability income insurance or are not covered adequately.
What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn’t work for months – or years?

You would still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it is easy to see how savings could quickly disappear.

Unfortunately, you cannot rely on other income sources like Social Security to protect you. In many cases, they do not apply -- or are not enough. For more information on other income sources, see below Think you are already protected?

Plan ahead to help protect your lifestyle. Then relax
MetLife has flexible Disability Income Insurance policies that:

Provide monthly income to help maintain your standard of living.
Can be customized to fit your particular situation.
Help you retain independence and dignity without burdening others.
Help keep your financial dreams and goals for the future intact.

Would you like to know more?