1 in 4 of today’s 20-year-olds will become disabled before they retire. Your income is your biggest asset — here’s how to protect it.
1 IN 4
of today’s 20-year-olds will become disabled
65%
of private-sector workers have no long-term coverage
9/10
people underestimate their own risk
Source: Council for Disability Awareness, 2025
YOUR PAYCHECK PAYS FOR EVERYTHING ELSE
Your mortgage, your bills, your family’s day-to-day life — all of it depends on income you can’t guarantee will keep coming if you get sick or hurt. Disability insurance replaces a portion of that income while you recover.
FIND THE RIGHT FIT
Different situations call for different coverage. Here’s how it breaks down.
🩹
Bridges the Gap
Short-Term Disability
Replaces income for weeks up to about a year after an injury or illness. Covers the immediate gap right after something happens.
💼
For the Long Haul
Long-Term Disability
Picks up after short-term coverage ends. Can replace income for years — or until retirement — for more serious or lasting conditions.
✅
No Medical Exam
Graded Benefit DI
Have a health condition that ruled you out elsewhere? This simplified-issue option asks a handful of health questions instead of a full exam — coverage many assume they can’t get.
WHY WORK WITH A LOCAL AGENT?
Disability policies have fine print that matters — definitions of disability, elimination periods, benefit periods.
🔍
Personalized Review
I check what coverage you already have through work, then help you spot — and close — the gaps.
💰
Competitive Pricing
I shop multiple carriers to find the right definition of disability and benefit period at a price that fits your budget.
🤝
Here When It Counts
If you ever need to file a claim, I’m the person you call — not a hold line on a 1-800 number.
FREE INCOME PROTECTION REVIEW
No pressure. No obligation. Just a quick conversation to see how well your paycheck is actually protected.
Jerel Johnson Insurance Agency, Inc. 