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Retirement > Products & Solutions > Disability Income Insurance
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Disability Income Insurance  
  Disability income insurance (DI insurance) pays you a monthly benefit if you no longer earn an income due to a qualifying illness or injury.   white space Man fishing
 
   

For the purposes of your retirement strategy, the most critical insurance you need during your accumulation years may be disability coverage. If you were unable to earn an income because of a illness or injury, your goal of saving during your working years may be difficult to achieve. You may even have to draw from your retirement accounts prematurely to make up for lost income.
 
Most employers offer some level of disability coverage; however, many people discover that it’s not enough. It’s important to work with a financial professional to see if current employer-provided coverage meets your needs. If not, individual DI insurance can help provide you with additional coverage when you need it most.


How you’ll benefit
With DI insurance, a long-term illness or injury does not have to significantly affect your ability to handle daily expenses. Your coverage can help you:

  • Pay the mortgage
  • Handle loan payments
  • Cover the cost of food and utilities
  • Manage your health insurance expenses
  • Keep your retirement accounts and savings intact
  • Offset the high price of hospital bills
  • Enable a family member to take time from work to assist you


When to consider
One in three working Americans will become disabled for 90 days or more before age 65.1 Of that group, 10% will be disabled for five years or more.1 And people with disabilities are almost three times as likely as people without disabilities to live in poverty.2

Weighing these potential losses against the cost of DI insurance will help you decide if it’s the right protection for you during your working years.


Take the next step
Contact a Thrivent Financial representative to learn more about how disability insurance can protect you and your retirement assets.

11985 Commissioner's Individual Disability Table A.
2 Key Findings: 2000 N.O.D./Harris Survey of Americans with Disabilities, July 10, 2002
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Thrivent Financial for Lutherans, its affiliates, Financial Representatives and employees do not provide legal, accounting, or tax advice or services. This summary information is provided for your education, and to help you start preparing for retirement. It is not intended to be tax or legal advice. We strongly advise that you consult your legal and/or tax advisor before making any tax-related financial decisions.

Thrivent Financial for Lutherans, Appleton, WI 54919-0001, is authorized to conduct business in all 50 states and the District of Columbia. NAIC # 2938-56014. Products issued by Thrivent Financial for Lutherans are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Not all products described are available in all states. Thrivent Financial representatives are licensed insurance agents. Insurance and retirement products, where available, are individual contracts, (not group coverage), and issued by Thrivent Financial for Lutherans. Investment products are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member SIPC. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc.

Bank products and trust services are offered through Thrivent Financial Bank, 2000 E. Milestone Dr., Appleton, WI 54919-0006 (Member FDIC, Equal Housing Lender), a wholly owned subsidiary of Thrivent Financial for Lutherans. Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank. Variable insurance contracts, investment products, trust, and investment management accounts may go down in value.
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This document was last updated on Thursday, May 17, 2007 at 12:15 PM