For most workers, the ability to earn a living is their most significant financial asset.  Lengthy periods of disability can be financially devastating to workers and their families.  Protection against that risk lies in disability insurance, a product that can provide income to an employee should he or she become sick or injured and unable to work.  It can protect workers and their families against financial catastrophe by helping to meet daily expenses. 

This Guide is designed to serve as an introduction to disability income insurance and to introduce key considerations for employers exploring offering or sponsoring disability coverage to their employees.  Please click here to read An Employer's Guide to Disability Income Insurance.