3 reasons your client needs disability insurance

For a worker who becomes disabled, the difference between having disability insurance or not having it could mean the difference between staying in their home or living a bare-bones lifestyle.

However, the benefits of DI insurance can go beyond financial protection. A survey from the Consumer Federation of American and Unum Group Corp. found recipients had social, psychological and health-related benefits, too.

Continue to the next page to read more about the added benefits of disability insurance.

Courtesy: Consumer Federation of American and Unum Group

1. Disability insurance helps maintain a healthy emotional outlook.

Eighty-eight percent of recipients agreed that disability benefits helped them maintain a healthy emotional outlook.

Recipients were also able to maintain their self-esteem as a provider for their family (77 percent). Knowing their family would be provided for from the benefits reduced recipients’ feelings of stress (76 percent).

One recipient had this to say: “I probably would have gone off the deep end. My whole life was working. I think it probably saved my mental health as well. It would have been too much to bear with the health problems I have.” —Single female, 50+

2. Disability insurance helps maintain healthy relationships.

Recipients who were married or in a relationship said they were able to avoid strains on the relationship (77 percent) thanks to the LTD payments.