Disability Income Insurance

Protect your most important financial asset – your paycheck.

Do I Need Disability Income Insurance?

Disability income insurance helps replace lost income if you are unable to work due to a disability resulting from an illness or accident. It helps protect your most important financial asset – your paycheck – so it should be an important part of every family’s planning. Disability income insurance provides:

Income replacement for you and your family

Features for special circumstances

Waiver of premium provision*

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How Does it Work?

Disability Income Insurance

Knights of Columbus disability income insurance policies provide a monthly benefit amount over the course of a maximum benefit period. These policies are designed to help replace the income you would have otherwise received if you were able to work.

You can use your disability income benefits in whatever way you see fit – just like you would with your own paycheck.

Knights of Columbus Disability Income policies also come with special features, such as the total, partial or presumptive disability income benefits, which help protect against special circumstances. As an added bonus, our disability income insurance policies come with a waiver of premium provision, which waives your policy’s premiums while you’re suffering from a disability.

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Features and Benefits

First, you’ll work with your Knights of Columbus Field Agent to decide on your benefit period. This is how long you can receive benefits for your reported disability. The benefit resets once the disability concludes. We offer policies that pay you for two years, five years or until age 67.

Your agent will also help you establish the monthly benefit amount that your policy will provide based on your income.** You get to select your elimination period, which serves as your deductible or out-of-pocket amount. You can select a 30, 90, or 180-day elimination period, after which time your benefits will begin to be paid.

There are also a number of special features and benefits – also called riders – are available on our disability income insurance products. For example:

Catastrophic Disability Rider: provides an additional monthly benefit in the event of a catastrophic disability
Cost of Living Adjustment Rider: helps your monthly benefit keep pace with inflation during a long-term disability

Contact your Knights of Columbus Field Agent today to learn more about our disability income insurance products.

Protect What Matters Most

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