Disability insurance is as crucial as life insurance for a family’s financial security, protecting the primary income earner’s income. Statistically, individuals are as likely to be disabled for six months or more as to die prematurely. Understanding disability income insurance helps producers provide clients with financial security. This course educates on various types of disability insurance, including individual, employer-provided, and government programs, and explains how disability coverage and benefits are taxed.

• explain the purpose and function of disability income insurance
• identify and describe the types of disability coverages that employers can purchase for the benefit of their employees
• understand the consideration and decision points that individual face with deciding to purchase a disability policy
• describe how other programs can deliver disability benefits, including Social Security and workers' compensation