Disability Income Insurance

Disability income (DI) insurance helps protect individuals and their families from financial hardship when illness or injury prevents them from earning a living. DI insurance replaces a significant portion of income of disabled workers, allowing them and their families to continue meeting their household expenses and protecting them from taking on additional debt or losing their assets. Employers may offer short-term disability coverage, long-term disability coverage, or integrate both of these as part of a competitive employee benefits package.  Workers can also purchase DI coverage individually. 

AHIP works to ensure Americans' financial security through robust insurance markets, product flexibility, and an abundance of consumer choice. We seek to empower consumers with the information they need to make informed decisions about financial protection and insurance coverage.

As part of these ongoing efforts, AHIP partnered with the Life and Health Insurance Institute for Education (LIFE) to commission the report, The Impact of Disability, which was authored by the Milliman actuarial firm. The report shows the financial impact of disability through analysis of four representative household disability scenarios, and illustrates how the financial impact can be ameliorated by disability income benefits from various sources, including the Social Security Disability Insurance program. Finally, the report provides information on the non-financial impacts of disability.

You can find the highlights of this study, and other disability income insurance information and resources, at www.YourIncomeAtRisk.org.

Latest Resources

Expanding Disability Income Insurance Would Help Preserve Social Security Disability Program, Provide Critical Protection for Millions of Workers

With the Social Security Disability Insurance (SSDI) program facing the threat of insolvency next year, a new analysis from Charles River Associates finds that increasing enrollment in private group disability income coverage would create savings within the SSDI program and extend critical disability support services to millions of workers.

Press Releases | Strategic Communications | 08/04/2015

Expanding Income Protection Coverage for American Workers and Families

Americans routinely insure their cars and homes. But, too few insure their most valuable asset: the ability to earn an income. According to the Bureau of Labor Statistics, two-thirds of private industry employees do not have employer-sponsored disability coverage.

Fact Sheets/Issue Briefs/Talking Points | 04/13/2015

Expanding Income Protection Coverage for American Workers and Families - [PDF]

Fact Sheets/Issue Briefs/Talking Points | Federal | 04/09/2015

Guide to Disability Income Insurance - [PDF]

This guide by America’s Health Insurance Plans includes information about how much income an individual would need if he or she became disabled and were unable to work. The guide also includes a checklist to help compare disability income insurance policies.

AHIP Consumer Guides | Product Policy | 02/27/2014

Bipartisan Legislators Form Congressional Income Protection Caucus

A new group of bipartisan legislators from the House and Senate are working together to raise awareness of the importance for Americans to protect their most valuable asset: their ability to earn a living.

AHIP Coverage Blog Posts | Strategic Communications | 11/01/2013

New Report: Disability Insurers Saving Federal Government $2 Billion Annually, Extending Life of SSDI Program

As a result of private disability insurers’ return-to-work programs, nearly 65,000 employees each year rely less or not at all on public disability programs, saving the federal government $2 billion each year, according to a new first-of-its-kind analysis from Charles River Associates prepared for America's Health Insurance Plans (AHIP).

Press Releases | Strategic Communications | 09/26/2013

Private Disability Insurance and Return-to-Work: Cost Savings to SSDI and Other Federal Programs (e-Pub)

This study is to explain and document the benefits of GLTD insurance to the covered employees and their families, their employers, and the federal treasury.

Reports/Research/White Papers | 09/25/2013

Your Income at Risk

Your Income at Risk is a non-profit, educational and grassroots initiative by America’s Health Insurance Plans (AHIP) that is working to help ensure Americans' financial security. The goal of the organization is to raise awareness about disability income insurance, which can help protect individuals and their families from financial hardship when illness or injury strikes.

Advocacy and Coalition Websites | Product Policy | 10/02/2012

Disability Income Insurance - What You Need to Know

In acknowledgment of Disability Insurance Awareness Month (DIAM), which takes place in May of each year, this blog post contains a collection of research and other resources on the value of disability income insurance.

AHIP Coverage Blog Posts | Product Policy | 06/05/2012

Trends and Innovations in Disability Income Insurance

Highlights of disability insurers’ creative programs to help employees and employers overcome multiple challenges and succeed in a difficult economy.

Reports/Research/White Papers | Center for Policy and Research | 01/05/2010

Trends and Innovations in Disability Income Insurance (Report) - [PDF]

Highlights of disability insurers’ creative programs to help employees and employers overcome multiple challenges and succeed in a difficult economy.

Reports/Research/White Papers | Center for Policy and Research | 01/05/2010

An Employer’s Guide to Disability Income Insurance - [PDF]

An Employer’s Guide to Disability Income Insurance helps employers understand the benefits of offering disability income coverage to their employees, and introduces key concepts regarding the provisions of group disability insurance policies.


Reports/Research/White Papers | Product Policy | 03/13/2007

Disability Insurance: A Missing Piece in the Financial Security Puzzle - [PDF]

This chartbook looks at the handful of factures that give disability insurance the dubious distinction of being a "missing piece in the financial security puzzle."

Reports/Research/White Papers | Center for Policy and Research | 10/01/2004

Disability Income Insurance

Disability income (DI) insurance helps protect individuals and their families from financial hardship when illness or injury prevents them from earning a living. DI insurance replaces a significant portion of income of disabled workers, allowing them and their families to continue meeting their household expenses and protecting them from taking on additional debt or losing their assets. Employers may offer short-term disability coverage, long-term disability coverage, or integrate both of these as part of a competitive employee benefits package. Workers can also purchase DI coverage individually.