Disability Insurance Made Easy

Get a quote in seconds and coverage in minutes

Until now, applying for disability insurance meant speaking with an agent, taking an exam, and waiting for an approval. With DIME (Disability Insurance Made Easy) you can put coverage in place instantly (within minutes in a single web session), without speaking to an agent or taking an exam!*

How DIME works

You’ll fill in just a little bit of information so we can determine if you qualify for DIME coverage. If you do, we’ll show you the available prices instantly online. All you have to do is choose the amount of coverage that you want and complete the rest of the application. The entire process is online, so you can do this from the comfort of your couch.

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DIME coverage highlights

Benefit amount: 60% of your income (up to a maximum of $5,000 per month). Sixty percent of some applicant’s monthly income may already exceed $5,000 monthly.
Benefit period: 1 year, 2 year, 5 year, or to age 67
Waiting period: 30, 90, or 180 days (not available with 1 year benefit period)
Cost of living adjustment rider: This optional rider increases the monthly benefit payable once you become disabled. Annual increases are based on the increase in the Consumer Price Index (CPI) subject to a 4% maximum increase occurring on the anniversary of the date of disability.
Renewability of your policy: DIME policies automatically continue (renew) upon the timely payment of premiums, from the Policy Date to the first anniversary of the Policy Date on or after your 67th birthday.

The policy has exclusions and limitations that may apply. For complete details or questions regarding coverage, please call (800) 496-9109.

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Do I need Disability Insurance?

If you work and you don’t already have disability insurance, the answer is YES. If you’re unable to work due to a disability, a disability insurance policy will help replace the paycheck that you would no longer receive.

If you already have disability insurance through your employer make sure to check out the details of your policy. Many employer-provided disability policies do not offer the same benefits that you can get with a policy of your own. Compare the price, waiting period, and benefit period. You might find that you can get more for your money with a personal policy. And most employer-provided policies are not portable, meaning that if you change employers, you lose the coverage.

While you cannot replace an existing policy through the DIME process, you can do so with a traditional disability insurance policy. If you want to compare prices to your current disability policy, fill out our disability insurance quote form.

If you have a house, you almost definitely insure it, and with good reason. If your house burned down, you need to know that you’re going to be okay. You insure your car for the same reason. Most of us can’t afford to replace a house or a car in the event that something catastrophic happens.

Yet, our future income is worth way more than our house, our car, and everything else we may own, combined!

So how do YOU plan to replace your income if you are suddenly unable to work? This is where disability insurance steps in.

Quite simply, not insuring our income is incomprehensible.

7 in 10 working Americans couldn’t make it a month before financial difficulties would set in, and one in four would have problems immediately, according to a Life Happens survey.¹

The odds of your house burning down are less than 1 in 1,200.² You’re far more likely to experience a disability than your house is to go up in flames, so be sure to protect your income too!

To learn more about Disability Insurance, watch this video:

Get a quote in seconds and coverage in minutes

How DIME works

DIME coverage highlights

Do I need Disability Insurance?

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