Disability insurance helps protect you and your family from an unexpected illness or accident. It provides protection if you're unable to work and earn an income. Generally, disability insurance replaces between 60% to 85% of your income. It replaces your income up to a maximum amount, for a specified time. If your employer pays all or part of the disability premium, your disability benefits will be subject to income taxes. If you pay the entire amount of the disability premium yourself, your disability benefits will be tax-free. Is your lifestyle adequately protected? Connect with me today to discuss strategies and solutions.