Get first aid for your paycheck.

Disability income insurance can help pay the bills if your paycheck can't.


Intro to Disability Income Insurance

If you can’t work because of a sickness or injury, affording your monthly bills can become difficult. And your odds of being disabled might be higher than you think. A person entering the workforce today has a 1 in 4 chance of becoming disabled at some point in their career.1

Disability income insurance from COUNTRY Financial® can provide you with a monthly income when your paycheck can't, which can help you pay for expenses like your mortgage, car payments, and food, gas or utilities.

How Disability Insurance Works

If you are disabled and can’t work, you’ll receive a monthly payment during your disability after the waiting period you choose. Your payment amount is determined by your income, occupation and age, and you’ll pay no income tax on the benefits you receive from personal disability insurance coverage.2

Other facts to know:
  • The best time to buy is when you’re younger and in good health – the younger you are, the lower your premiums will be.
  • Your policy is guaranteed renewable until you turn 65 or retire (if earlier)3
  • After the waiting period you select, you don't have to make premium payments for as long as you receive disability benefits.
  • If you die after receiving benefits for at least six months, your spouse or estate will receive a one-time payment equal to three times the monthly amount you were receiving.


Coverage Options

COUNTRY Financial offers a variety of disability insurance coverages, so you can customize your policy for your unique situation.

Disability Insurance Policies

You can choose from two different disability insurance policies:

Level Premium (DI500)

Until age 65, your premium is based on your age when you first purchased the policy, so your cost remains stable. At age 65, your premium changes and will increase each year after that. Prior to age 65, your premium will only change if we need to change the rates for all policies in your state.

Premium Adjusted Every Three Years (DI550)

Your premium is the same for three-year periods, increasing at the beginning of each new period, until age 65. The higher premium is determined by your age at the beginning of each new three-year period. At age 65, your premium changes and will increase each year after that. During any three-year period prior to age 65, your premium could change if we need to change the rates for all policies in your state.

Policy Options

Benefit Period Options

You choose the length of time you’ll receive disability insurance payments if you become disabled.

Options include: 2 years, 5 years, to age 65

Waiting Period Options

Choose the number of days after a disability that you’ll wait before your payments kick in.

Options include: 30 days, 60 days, 90 days, 180 days, 365 days

(Only 30 and 60 day periods are available with the 2-year plan.)

Coverage Options

You can customize your disability income insurance even more by choosing additional benefits for an extra cost.

Monthly Benefit Increase

Except during a period of disability, this gives you the option to increase your monthly benefit anywhere from $100 to $600 every three years before age 60.

Cost of Living Adjustment

You can choose simple or compound inflation protection to periodically increase your monthly benefit while you’re disabled.

Hospital Confinement Income

You can choose to receive payments during the waiting period if you’re in the hospital because of your disability.

Cash Value Rider

When you reach age 65, you can get back the premiums you paid, minus any benefits you received.4

Accidental Dismemberment

Choose this option and get a one-time specified amount if you lose a hand, foot or your sight in an accident.

Other Benefits Offset

With our disability policies, the monthly benefit you select can be lowered by benefits you may get from other sources, like Social Security and workers' compensation. Select the Other Benefits option and the monthly benefit you get from your policy won’t be reduced.

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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.

Exclusions: This policy does not cover any disability or partial disability that results from a) any act of war; b) any cause that occurs while you are a member of the armed forces (we refund the part of the premium paid for the period of service); c) intentionally self inflicted harm; d) pregnancy or childbirth except complications of pregnancy; or e) any cause that occurs while you are committing or attempting to commit a felony. It does not cover any disability or partial disability a) while you are incarcerated; or b) while you are outside of the United States or Canada.

Pre-existing Condition Limitation: A claim for disability or partial disability caused by a pre-existing condition may be denied. We will not deny any claim for disabilities that begin more than two years (in Idaho, 12 months) after coverage began, or for any condition fully disclosed in the application unless specifically excluded by endorsement. However, we may deny a claim at any time for a condition that was excluded on the date of loss.

Mental Disorder Limitation: Benefits for mental disorders are limited to a lifetime maximum of two years  regardless of the benefit period shown. The waiting period is 180 days or the injury or sickness waiting period, if greater.

Not Employed Limitation: You must be employed at the beginning of disability or partial disability. If you are not employed and disability or partial disability begins on or after the first premium due date on or after your 65th birthday, the policy ends. If disability or partial disability begins before that date and you are not employed, the amount of the monthly benefit is reduced by 50 to 75 percent, depending on the length of time you were not employed. It will not be reduced below $300. A portion of the premium will be refunded for the period you were not employed, if benefits are reduced.

Relation of Earnings to Insurance: The monthly benefit is reduced, if total coverage exceeds monthly earnings.



Idaho Form Number

Level Premium DI500


Premium Adjusted Every Three Years DI550


Cash Value Rider


Simple Inflation


Compound Inflation


Monthly Benefit Increase


Hospital Confinement Income


Accidental Dismemberment


Removal of Benefit Adjustment




Tennessee Form Number

Level Premium DI500


Premium Adjusted Every Three Years DI550


Cash Value Rider


Simple Inflation


Compound Inflation


Monthly Benefit Increase


Hospital Confinement Income


Accidental Dismemberment


Removal of Benefit Adjustment



1U.S. Social Security Adminstration, Fact Sheet, February 7, 2013.

2 COUNTRY and our representatives cannot give tax advice.  Any information we provide reflects our understanding of current tax laws, which are subject to change and reinterpretation.

3 Premiums must be paid on time.  If you are still employed full-time after age 65, your policy is conditionally renewable until age 72.  No coverage is provided on or after the date of retirement.

4 Not available in WA, not available on DI550 in TN.