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Disability Insurance News

Disability insurance news and analysis related to disability insurance, disability income insurance, and long term disability insurance, including evaluation of disability insurance policy structure, disability coverage, disability benefits, and disability income outcomes. Articles examine key policy elements such as benefit period, elimination period, waiting period, benefit amount, benefit payments, residual disability, partial disability, and presumptive disability, along with exclusions, underwriting, underwritten outcomes, and insurability considerations that affect claims and income replacement. Additional analysis addresses individual disability insurance, group disability insurance, short term disability insurance, and private disability insurance, with discussion of premiums, insurance company selection, coverage through your employer, and how insurance plans from providers such as Guardian Life, MassMutual, Principal Financial Group, The Standard, and Ameritas function in protecting income and replacing income over time.

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Disability, Not Death, More Likely to Interrupt Income

January 26, 2026
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Disability Insurance Myths Put Incomes at Risk

January 21, 2026
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Disability Insurance Coverage Gaps Leave Workers Exposed

January 15, 2026
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Disability Insurance Benefits for Chronic Pain Limited

January 12, 2026
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How Disability Insurance Wording Leads to Income Protection Failure

January 7, 2026
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Unused life vest symbolizing disability insurance coverage and disability financial protection gaps when income stops and disability benefits are delayed.

The Gap Between Disability Awareness and Real Risk

December 26, 2025
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Illustration showing underestimation of income risk and top-heavy household finances, highlighting disability insurance plans, disability insurance policy structure, elimination period, waiting period, benefit period, exclusions, social insurance limits, accident insurance gaps, disability insurance providers, disability insurance quotes, and State Farm disability insurance considerations

When Workers Underestimate Disability Risk, Income Loss Follows

December 24, 2025
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Why Midlife Income Protection Depends More on Timing Than Assets [Podcast]

December 16, 2025
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Chart from The Income Protection Podcast episode showing the projected “income asset” or human life value of a 35-year-old high-earning professional, with lifetime earnings approaching $20 million, illustrating the core argument behind individual disability insurance, own-occupation coverage, and income protection planning. The graph demonstrates how future income is a multi-million-dollar financial asset that must be insured to prevent catastrophic loss, especially for physicians, dentists, attorneys and other specialists who rely on their ability to work. The episode uses this visual to explain why employer long-term disability plans often fall short, why supplemental disability insurance is essential, and how income-loss scenarios expose large coverage gaps that put financial plans at risk. Listeners are encouraged to hear the full discussion on income protection strategies, disability risk, coverage design, and the importance of visually modeling lifetime earnings.

Most High-Income Professionals Are Underinsured — And Don’t Realize It [Podcast]

December 9, 2025
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