Disability income (DI) insurance helps protect individuals and their families from financial hardship when illness or injury prevents them from earning a living. DI insurance replaces a significant portion of income of disabled workers, allowing them and their families to continue meeting their household expenses and protecting them from taking on additional debt or losing their assets. Employers may offer short-term disability coverage, long-term disability coverage, or integrate both of these as part of a competitive employee benefits package. Workers can also purchase DI coverage individually.
Latest Resources
This guide by America’s Health Insurance Plans includes information about how much income an individual would need if he or she became disabled and were unable to work. The guide also includes a checklist to help compare disability income insurance policies.
Reports/Research/White Papers
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Product Policy
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05/20/2013
In acknowledgment of Disability Insurance Awareness Month (DIAM), which takes place in May of each year, this blog post contains a collection of research and other resources on the value of disability income insurance.
AHIP Coverage Blog Posts
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Product Policy
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06/05/2012
Highlights of disability insurers’ creative programs to help employees and employers overcome multiple challenges and succeed in a difficult economy.
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Product Policy, Center for Policy and Research
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01/04/2010
America’s Health Insurance Plans (AHIP) Board of Directors issued a statement regarding the need for – and value of – private disability income insurance.
AHIP Board of Directors Statements
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Product Policy
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06/03/2009
The Life and Health Insurance Foundation for Education (LIFE) and America’s Health Insurance Plans (AHIP) engaged Milliman, Inc. to prepare this report examining the impact of disability on individuals in the United States. Research shows that many Americans underestimate their risk of experiencing a disability and overestimate the resources available to them in such an eventuality. These misconceptions lead to a poor understanding of the full impact a disability can have on an individual’s life.
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Product Policy
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05/15/2009
A front-page article in the New York Times on April 1, 2008 included a number of factual errors and unwarranted allegations regarding private disability insurers claim management practices and their coordination with Social Security Disability Insurance benefits.
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Product Policy
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07/01/2008
Washington, DC. Many baby boomers incorrectly believe they have disability income protection, according to a new survey conducted by Harris Interactive. on behalf of America's Health Insurance Plans (AHIP). Most say that disability insurance is important to protect their income, but nearly half say they do not have any disability income protection.
Press Releases
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Strategic Communications
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05/22/2008
Most baby boomers overestimate the breadth and depth of the public safety net available for workers who suffer a disability, according to a new survey conducted by Harris Interactive on behalf of America's Health Insurance Plans (AHIP). Baby boomers believe public programs provide disability benefits to more people than they actually do and most overestimate the amount of benefits available.
Press Releases
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Strategic Communications
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05/05/2008
An
Employer’s Guide to Disability Income Insurance helps employers understand the benefits
of offering disability income coverage to their employees, and introduces key
concepts regarding the provisions of group disability insurance policies.
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03/13/2007
Your Income at Risk is a non-profit, educational and grassroots initiative by America’s Health Insurance Plans (AHIP) that is working to help ensure Americans' financial security. The goal of the organization is to raise awareness about disability income insurance, which can help protect individuals and their families from financial hardship when illness or injury strikes.
Advocacy and Coalition Websites
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Product Policy