One in four working adults will face a disability before retirement. Get a free, no-obligation review of your disability coverage — tailored to your occupation, income, and goals.
of today's 20-year-olds will face a disability before retirement
of disabilities are caused by illness, not accidents
is the average length of a long-term disability claim
The most common reasons people put off disability coverage — and the reality behind each one.
Workers' comp will cover me.
Workers' comp only applies to on-the-job injuries — which account for a small fraction of disabilities. Most claims come from illness that happens off the clock.
I'm young and healthy — I don't need it.
Over 25% of today's 20-year-olds will experience a disabling event before they retire. The best time to lock in affordable rates is while you're young.
My employer's plan is enough.
Group plans often replace only 50–60% of income, are capped, and disappear if you change jobs. Individual coverage stays with you.
Three simple steps to understand exactly what your income is — and isn't — protected against.
Complete the 2-minute review form with your occupation, income, and current coverage.
A Panorama advisor calls during your preferred window to understand your income and goals.
We map the right own-occupation coverage to protect your paycheck — with no obligation.
Take two minutes today. A Panorama advisor will reach out during your preferred time to walk you through your options.
Get My Free Coverage Review