More than 50% of disabled Americans are in their working years, from 18-64.1
The average individual disability claim lasts 31.6 months.1
65% of working Americans say they could not cover normal living expenses even for a year if their employment income was lost.1
1 in 4
Only 1 in 4 working Americans have disability insurance.1
Fifty-six percent of new disability claims approved during 2013 were for women and 44 percent were for men.1
Full-time & Part-time Workers
Some employers offer long-term coverage. Others don’t. Either way, having an individual policy for a portion of your income is smart – it isn’t taxed, it’s not tied to your current job and it protects your insurability as you age.
Solo Entrepreneurs, Contractors and Self-Employed
If you are working for yourself, coverage is just as important. Plus, you’re probably used to figuring things out for yourself – our disability insurance can be a part of your personal benefits package.
Stay-at-home Parents & Spouses
Not adding an income doesn’t mean you don’t contribute to your family’s bottom line. Replacing tasks like transportation, housekeeping and meal prep would cost a small fortune. We are one of the only insurers in the country to cover the role of stay-at-home parents and spouses.
Meet Eddie, he has an incredible story. Last year, Eddie was in a car accident that left him unable to return to work. Fortunately, Eddie’s brightpeak Disability Income Insurance policy provided enough money to give financial security for him and his family. What’s even more amazing? Eddie and his wife used the claim money to help support 20 relatives that were displaced by heavy flooding.