Take the Disability Insurance Quiz and discover how prepared your household really is. According to the Social Security Administration, one in four 20-year-olds will become disabled before reaching retirement age. Yet, only 45% of private-sector workers have access to short-term disability coverage. Even more alarming, nearly 60% of Americans say they couldn’t cover an unexpected $1,000 expense. Use this disability insurance quiz to see how you’d fare financially if illness or injury kept you from working—and learn what steps you can take to protect your income.

 

Income Gap Calculator

Use our tool to see how much income you would need if you are out of work for an extended amount of time.

 

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You can use my Breeze link and discover more about Disability Insurance.- Here: https://www.meetbreeze.com/agent/paul-carrigan

 

 

 

️️ What Is Disability Insurance — And Why It Matters

Disability insurance is a type of income protection that replaces a portion of your paycheck if you’re unable to work due to illness or injury. It’s designed to cover your regular living expenses — like rent or mortgage, groceries, utility bills, and insurance — so you don’t fall behind financially while you’re focused on recovery.

Think of it as paycheck insurance. Just like health insurance covers medical bills, disability insurance helps cover lost wages when you’re sidelined from work for weeks or months due to a covered medical condition.

There are typically two kinds of disability insurance:

• Short-term disability insurance: Covers temporary conditions like surgery recovery, broken bones, or pregnancy complications. Benefits typically last 3 to 6 months.
• Long-term disability insurance: Covers more serious or extended illnesses and injuries that keep you from working for longer periods — sometimes years or even permanently.

While many people think disability only happens from accidents, over 90% of claims are due to illness — like back issues, heart conditions, cancer, or chronic pain.

Why Most Households Are At Risk

Here’s the hard truth:

• 1 in 4 Americans will become disabled before retirement
• Only 45% of workers have short-term disability coverage through their employer
• Nearly 60% of families say they couldn’t afford a $1,000 emergency

And yet, most people either don’t have disability insurance, aren’t sure if they do, or don’t know how much coverage they’d need to make ends meet.

That’s where the Disability Insurance Quiz comes in.

How the Quiz Helps You

The Disability Insurance Quiz is a fast, free way to gauge how prepared you’d be if your income suddenly stopped for 30, 60, or 90 days.

It’s not a sales pitch — it’s an eye-opener.

With just 5 short questions, the quiz gives you:

• A snapshot of your risk level
• Insight into what kind of coverage you may (or may not) already have
• A customized message based on your responses
• An optional follow-up from a licensed local advisor — no pressure

In less than 5 minutes, you’ll know where you stand — and whether a small monthly investment in coverage could save you from major financial stress.

✅ The Bottom Line

You insure your car. You insure your home. But your income is what pays for all of it. If your paycheck suddenly disappeared, how long could you and your family stay afloat?

Disability insurance gives you breathing room in the middle of a health crisis. The quiz is your first step toward clarity — and control.

Take the disability insurance quiz now and find out if you’re really protected.