Learn everything you need know about disability income insurance and how to find the best, cheap and most affordable disability insurance quotes from highly rated insurance companies.

Disability income insurance or disability Insurance is a type of insurance which protects and replace your income when you are not able to work because of an accident or an illness. It usually replaces a percentage of your income (can be as high as 70%) until you return to work or you can no longer work for rest of your life.

Today the two-thirds of American families live paycheck to paycheck and 70% of families can only afford to be without a paycheck for one month or less. Every wage earner is 3 times more likely to suffer a long-term disability than to die during their working years. Disability income insurance protect you in an event when your health or an accident forces you out of work, and help you make your mortgage/rent payments, day to day expenses and meet the health costs. A short term disability insurance policy helps you make these payments for first 3 to 6 months and a long term disability insurance policy helps cover your expenses if you cannot return to work beyond 3 to 6 months until your retirement (up to age 67).

It is of immense important that you get disability income insurance and get the best possible disability insurance quotes with “own occupation” rider or policy feature. BeamaLife compares all the top disability insurance companies like Guardian, MetLife, Mass Mutual, Principle, Mutual of Omaha, Standard and Union Central to find the best, cheap and most affordable disability insurance quotes. Please call (866) 972-3262 to speak with one of our experience disability income insurance specialist or complete disability insurance quotes request form now.