Disability Income Insurance Like most people, you may have a range of financial obligations you’re responsible for, such as rent or a mortgage, retirement savings and everyday expenses. If you become disabled, you’ll still need to fulfill your commitments and provide for your loved ones. Even if you have group long term disability income insurance through your employer, it may not be enough. Individual disability income (DI) insurance may help protect more of your income if you become too sick or injured to work for an extended period of timeRetirement ProtectionYou've worked hard to save for retirement, so it's critical to protect the nest egg you've built. Since DI insurance can help you meet your current financial obligations if you become too sick or hurt to work, you may be able to avoid tapping into your retirement savings. Other Features and Benefits of Disability Income Insurance Income ProtectionWhen you add up your income throughout your career, it may be your single biggest asset. Without it, your ability to support yourself and your loved ones, as well as the future you envision, may be in jeopardy. With so much at stake, it’s important to help protect a portion of your income with DI insurance.Customizable CoverageYour life and needs may change over time. Individual disability income insurance policies may be customizable, so you can prepare for the future.