Protect your financial goals.

Your financial goals depend on your ability to generate cash flow. If you’re like most people, income from your work is your most important financial asset. Disability income insurance can replace a portion of your income if you become disabled. Without this protection, an unforeseen accident, injury or illness could cause significant consequences for your family and your financial goals.

We help you look at your entire financial picture and how much total income you would stand to lose if something prevents you from working. We also take into account your risk tolerance to identify coverage options that meet your needs.

A Wealth Management professional can help you as you consider your options.

Disability insurance considerations

Know the odds. The sobering fact is that, if you are over age 20, you have a one-in-four chance of becoming disabled before retirement.1

Lock in lowest-possible rates. If you purchase disability insurance when you are younger, you typically lock in a lower rate than waiting until later when you find yourself between jobs or more concerned about disability insurance.

Take it with you wherever you go. Unlike disability insurance offered through your current employer, an individual disability insurance policy can protect you between jobs and continue to cover you wherever you work.

Make it easier to qualify. Many people do not rely solely on coverage from the U.S. government because you only receive Social Security Disability Income benefits when you meet strict definitions of disability. When you own individual disability insurance, you typically receive benefits after meeting less strictly-defined requirements.


How disability income protection works

A disability income policy should replace about 60% of your income. Unlike benefits paid to you through an employer-sponsored policy, benefits paid through your individual policy are not subject to income tax.

Policies can be structured in different ways. You can choose:

Length of coverage. You choose a policy that pays you benefits for anywhere from five years all the way through retirement age, if you remain disabled.

Elimination period. Most policies require you to wait for a period of time before you begin collecting benefits. This “elimination period” typically lasts 30 to 180 days. The shorter the elimination period, the more expensive the policy. To minimize your insurance costs, keep an emergency cash fund to cover expenses during the period before benefits begin.

Occupation. You can also decide whether your policy should cover any occupation, a broad range of occupations or your specific occupation. The more specific the occupation, the more expensive the policy.

Insurance topics

Insights from our experts

Business insurance

Ensure your business continues after the death of an owner or key employee – plus attract talent with insurance benefits.

3 types of insurance you shouldn’t ignore

As your needs and the needs of your loved ones change, you don’t want to ignore these three key types.

Is your employer long term disability insurance enough?

Your employer may offer group long-term disability insurance, but is that coverage enough to protect your finances if you face a serious injury or illness?


Start of disclosure content
  1. Social Security Administration, Disability Facts,

Start of disclosure content

Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Wealth Management – U.S. Bancorp Investments is a marketing logo for U.S. Bancorp Investments.

Start of disclosure content

Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary and Regulation Best Interest Disclosure are available for you to review.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via An investor brochure describing BrokerCheck is also available through FINRA.

The information provided represents the opinion of U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

U.S. Bancorp Investments Order Processing Information.

Municipal Securities Education and Protection– U.S. Bancorp Investments is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB). An investor brochure that describes the protections that may be provided to you by the MSRB rules and how to file a complaint with an appropriate regulatory authority is available to you on the MSRB website at