This guide explains the likelihood of disability, the financial risk it poses, potential sources of disability income,disability income insurance, and what disability income insurance covers. It includes a checklist of policy features you can use to compare disability income insurance policies. This information will help you make an informed decision about whether you need individual disability income insurance and, if so, what features are most important to you.

Although frequently revised, this guide includes information that is subject to changing federal and state law. AHIP provides this booklet for guidance only. It is not a substitute for the advice of licensed insurance professionals or legal counsel.

The mission of the Insurance Information Institute (I.I.I.) is to improve public understanding of insurance -- what it does and how it works.