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What is disability income insurance?

Disability insurance provides you with income payments if you’re unable to work because of illness or injury.

Do I need disability income insurance if I have coverage through work?

You'll want to review what group coverage you have first. Group benefits may or may not be enough depending on the amount of income being replaced, potential benefit limitations and types of income covered.

Why do I need to purchase disability insurance if I’m already covered by Social Security and Workers Compensation?

Unfortunately, qualifying for Social Security benefits is not a sure thing and the monthly payments you receive may be too small.  About 65% of applications for Social Security disability benefits are initially denied, and the average monthly payment is only $1,111.1

Workers compensation only covers you if you’re hurt on the job.  Most disability insurance claims are not caused by on-the-job injuries.

How much income do I get if I should become disabled?

The monthly benefit amount you can purchase is determined by your income and occupation. Contact a COUNTRY Financial representative in your community to determine the benefit amount you may be eligible for.

How long can benefits last?

With a COUNTRY Financial disability income policy, you determine the benefit period - two years, five years or up to age 65.

Do I receive benefits immediately?

As with most disability policies, there’s a waiting period following your disability before you receive benefits. The waiting period can range from 30 to 365 days, depending on the policy you choose.

I’m young and healthy, why do I need it?

Almost 1 in 4 of today’s 20 year-olds will become disabled before reaching age 672.  Also, the younger you are, the lower your premiums will be. 

What should I look for in a company when purchasing disability insurance?

The financial strength and reputation of the company you buy from is important.  In 2014, A.M. Best reaffirmed the A+ rating for COUNTRY Life Insurance Company®, indicating superior financial strength and the ability to meet ongoing insurance policy and contract obligations. For the latest rating, visit www.ambest.com.

Policies issued by COUNTRY Life Insurance Company®, Bloomington, IL.

This policy has limitations. For costs and complete details of the coverage, contact a COUNTRY Financial representative or contact the company. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states.

Policy series: DI500 and DI550. In Idaho, DI500(ID12/99) and DI550(ID12/99). 

1LIMRA, Facts from LIMRA – 2013 Disability Insurance Awareness Month, http://www.limra.com/uploadedFiles/limracom/Posts/PR/Newscenter_Blog/2013%20Disability%20Fact%20Sheet%20v2.pdf, accessed June 6, 2014.

2
U.S. Social Security Administration. http://www.ssa.gov/pressoffice/basicfact.htm

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