Disability insurance replaces your income if you become temporarily or permanently disabled.

This “income replacement” is a safety net if you become disabled and can’t pay your expenses. Disability insurance replaces income on a monthly basis if an insured illness or accident prevents the ability to work.  


Insurance data shows that a young man in his 20's is about three times more likely to be disabled (for at least 90 days) than he is likely to die before the age of 65 — and a young woman in her mid-30's is about seven times more likely. 

For more information, please contact your insurance agent.

Member benefits and coverage are subject to change without notice.  For more information on protecting your Chef business, please contact our office.