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Protect your paycheck with Disability Income Insurance

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Where to start.

Start making sense of it all. Follow these steps.

  • Determine Your Needs

    Look at what type(s) of disability insurance your employer offers and identify any gaps.

  • Choose a Reputable Company and Get Quotes

    Look for companies with strong ratings and high customer satisfaction. Evaluate their prices.

  • Gather Your Info and Apply

    Companies are making it easier than ever to apply online or by phone, including us.

Disability Insurance you can afford

Paycheck protection starting at around: $5 month*

*Age 25, male, light manual work, 90 day waiting period, $1000/month, 2-year benefit period

Choosing a Policy that Fits

Make sure you’re considering these important things:

Short vs. Long-Term Policies

Short vs. Long-Term Policies

Short-term policies are most commonly offered by employers and are written with shorter waiting periods (7 – 30 days) and shorter benefit periods (13 – 26 weeks). Long-term policies have longer waiting periods (30 days or longer) but cover longer periods of disability, like 2 years or up to age 67.

Other features

Other features

Look for common features like a premium waiver and an automatic increasing benefit. Premium waiver means you don’t have to pay your premiums when disabled. Automatic increasing benefit means your benefit (but also premiums) increase by a certain percentage per year to keep up with inflation.

Company Rating

Company Rating

The financial strength of insurance companies is rated by independent agencies like A.M. Best. They give them grades from D- to A++ (Yes, just like school!).

Waiting Period

Waiting Period

What is the length of time you must be disabled before your benefits start? Typical options are 30, 60, 90 or 180 days.

Disability insurance myths

It’s too expensive, it’s a long process … we’ve heard it all. Let us help you debunk popular insurance myths.

IT'S FOR CONSTRUCTION WORKERSI'M COVERED THROUGH WORKI'M GOOD
Disability insurance is for only for construction workers.

Disability insurance is for only for construction workers.

Most people think that disability insurance is mainly for heavy laborers (like construction workers) who need to protect themselves from injury at work. False! The reality is that fewer than 5% of disabilities happen as a result of work and over 90% of them are from illnesses versus injury.¹ And it’s not just physical, a top five reason is mental disorders like anxiety and depression.

¹ The 2014 Council for Disability Awareness

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    My employer's group disability insurance is adequate.

    My employer's group disability insurance is adequate.

    Group disability insurance often provides some income, but not all workers have it. And even if you do, the coverage may fall short.

    "Less than half of consumers are covered by group disability policies at work, either because it's not available or it's optional and they choose not to purchase it," says Steven Weisbart, senior vice president and chief economist for the Insurance Information Institute in New York.

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      I’m young and healthy; I don’t need disability income insurance.

      I’m young and healthy; I don’t need disability income insurance.

      Being an optimist is great – except when it comes to preparing for the unexpected. According to the Council for Disability Awareness, only 1% of us believe they’ll be out of work for more than three months. Rosy! But here’s the kicker: more than 25% of us will become disabled at some point before retirement.¹

      brightpeak’s disability income insurance is a great way to plan for the unexpected! And it's more affordable than you think. Take steps to protect your paycheck so you can focus on getting better if you get sick or injured.

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