Disability Insurance

Tax-Free Benefit

A benefit that is usually tax free1

Money to use as you see fit, for whatever you need

Flexible plan options

Flexible plan options to cover accidents and illnesses

Choice of monthly benefit amounts and period lengths

Choice of monthly benefit amounts and period lengths

Disability Insurance

What if, due to an accident or illness, you were unable to work? Think about everything a paycheck covers:

  • Child care
  • Mortgage/rent
  • Food
  • Car payments
  • Debt/credit cards
  • Utilities
  • Savings

How would the lack of income affect you and/or your family?

Disability insurance, also referred to as disability income insurance or temporary disability insurance, provides a monthly tax-free benefit.1 This can help you cover things like food, rent, utilities, or car payments in the event that you are unable to work due to a disability.

UnitedHealthcare disability plans underwritten by Golden Rule Insurance Company can serve as that kind of income insurance for you and your loved ones.

Disability Insurance Benefits

The Likelihood of a Disability

Disability is more common than you may think. Currently, about 1 in 4 of today’s 20 year-olds will become disabled before they retire.2

And disability doesn’t always come in the form of an accident. Most “long-term disabilities” are caused by sickness.3

A disability can happen in 1 in 4 people

Choose the Best Plan for You

UnitedHealthcare has two plans to choose from:

Disability Income Protector

Disability Income Protector:

Offers basic coverage in the event of total disability from accident only.

This plan pays benefits directly to you for qualifying disabling injuries due to an accident and is our most affordable temporary disability insurance plan.

Disability Income Protector Plus

Disability Income Protector Plus:

Gives you more coverage for total disability and applies to both accidents and sicknesses.

This plan pays benefits directly to you for qualifying disabling injuries as well as disabling sicknesses.

You can’t prevent a disability from happening. But with one of these plans, you can take steps to help you and your family keep up with your expenses during that unexpected time you can’t work.

1 Consult your tax advisor.

2 U.S. Social Security Administration, The Facts About Social Security’s Disability Program, June, 2016. Retrieved from https://www.ssa.gov/disabilityfacts/materials/pdf/factsheet.pdf.

3 Council for Disability Awareness, Chances of Disability, 2015. Retrieved from http://www.disabilitycanhappen.org/chances_disability/causes.asp.

4 Not to exceed 60% of your monthly income.