In many ways, disability insurance is just as important to a family's future as life insurance. Both provide financial security when a family's most important asset, the primary income earner, loses his or her income. Statistically, however, an individual is as likely to be disabled for six months or more as he or she is to die prematurely. Producers who understand disability income insurance and recognize how and when it's needed can help their clients and prospects add an important measure of security to their financial foundations.

The information in this course will help you to educate your clients on the features of these various types of disability insurance and programs. Specifically, this course analyzes individual disability insurance, employer-provided disability insurance, and government programs that pay disability benefits. This course also summarizes how disability coverage and benefits are taxed.

Upon completion of this course, students will be able to:

• 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