Disability Insurance: Protecting Your Ability to Earn.

Why Disability Insurance Matters for Women

When planning for the future, many women think about protecting their family, their home, and their savings—but often overlook protecting something even more critical: their ability to earn an income.

Disability insurance helps replace part of your paycheck if you become too sick or injured to work. For women who are balancing careers, caregiving, and family goals, protecting your income is a key step toward long-term financial security.

Why Women Are Especially at Risk

  • Women are more likely to experience career interruptions due to caregiving.

  • Women live longer, increasing the chances of needing income protection over time.

  • Women often have less retirement savings due to wage gaps and time away from work.

Without income protection, a sudden illness or accident could quickly disrupt your financial stability, impact your ability to care for your family, and create long-term setbacks.

Example:

When Jessica faced a serious medical issue, her disability insurance allowed her to cover living expenses and focus on recovery without draining her savings. Without that protection, she would have been forced to rely on credit cards or delay important care.

What Does Disability Insurance Cover?

  • A percentage of your income (typically 50-70%) if you’re unable to work due to injury or illness.

  • Can be short-term (covering weeks to months) or long-term (covering several years or until retirement).

Key Questions to Ask

1. Could you pay your bills without your paycheck?

  • If you rely on your income for everyday expenses, disability coverage is essential.

2. Does your employer provide disability insurance?

  • Some workplaces offer basic coverage, but it may not be enough. It’s worth reviewing the details.

3. Do you have a financial safety net?

  • Emergency savings can help with short-term needs, but long-term disabilities may require additional protection.

Action Steps for Women

✔️ Review your current disability coverage (if any).
✔️ Ask your employer about available benefits.
✔️ Consider your family’s needs if your income stopped.
✔️ Update your coverage as your career, income, or life stage changes.

Final Thought

Your ability to earn an income is one of your most valuable financial assets. Disability insurance helps protect that asset and provides a financial safety net if life takes an unexpected turn. Taking the time to explore your options can bring peace of mind and security for both you and your family.

Have questions about disability insurance or protecting your income? We’re here to walk you through your options and help you feel confident in your coverage.

👉 Reach out to us today at bri@apriem.com

Let’s make sure your income—and your peace of mind—are protected.