Skip to content
Phone: (808) 536-1933

Disability insurance


Disability Insurance protects your most valuable asset:  Your income.

Disability insurance is a type of insurance that provides financial protection to individuals who become unable to work due to a disability or illness. This type of insurance can help replace a portion of your income if you are unable to work due to an injury or illness.

Benefits of Disability Insurance

Disability Insurance is also known as Disability Income (DI) insurance.  In the event that you become disabled and cannot receive your normal income, a disability policy will replace a percentage of your income that will pay you while you get back on your feet.  That means you would still be able to:

  • Pay your mortgage
  • Pay your bills
  • Preserve your independence
  • Maintain your personal savings

What are the odds?

1 in 225

Getting an IRS audit1

1 in 20

Being a victim of identity theft2

1 in 5

Being involved in a serious car crash3

1 in 4

Today’s 20-year-olds becoming disabled4

1 Treasury inspector for tax administration, Trends in Compliance Activities Through Fiscal Year 2019, March 12, 2021. 2 Javelin’s 2020 Identity Fraud Study, Genesis of the Identity Fraud Crisis. 3 AAA Foundation for Traffic Safety, 2020 Traffic Safety Culture Index. 4 Social Security Administration, Fact Sheet, 2022.

Why do you need Disability Insurance?

What would happen if, due to an illness or injury, you were unable to work for an extended period of time, or perhaps the rest of your career? Where would the money come from to maintain your lifestyle, fund your retirement, and grow your investment portfolio?

Disability Insurance, also known as Income Protection Insurance, needs to be taken as seriously as any other insurance policy. If you don’t have any income, then you are going to find that it’s very hard to keep a roof over your head, food on the table, and clothes on your back. Disability Insurance can provide a source of income to help you cover your expenses and maintain your quality of lifeThe reality is that 1 out of every 4 working people in the United States will suffer a disability at one point or another that keeps them out of work for 3 months or more.

Types of Disability Insurance

There are two main types of disability insurance: short-term disability insurance and long-term disability insurance.

Short Term Coverage

Temporary Disability Insurance (TDI) is a form of short-term disability insurance, typically providing coverage for a period of three to six months, although the duration of coverage can vary depending on the policy.

This type of insurance is designed to provide coverage for short-term disabilities, such as a temporary illness or injury and may come as a packaged deal for your insurance coverage from your current job.

Long-Term Coverage

Long-term disability insurance provides coverage for a longer period of time, often until retirement age and is purchased separately, and often on top of Temporary Disability Insurance.

This type of insurance is designed to provide coverage for long-term disabilities, such as a chronic illness or injury and typically covers 50% to 70% of your income. It is designed to provide a supplemental flow of income should you be unable to work and is a life preserver when you need it most, and it is portable (meaning it goes with you even if you decide to move jobs.

How Does Disability Insurance Work?

When you purchase disability insurance, you pay a monthly premium, and in return, the insurance company agrees to pay you a portion of your income if you become unable to work due to a disability or illness. The amount of coverage you receive and the duration of coverage depend on the type of policy you have and the terms of the policy. 

Disability insurance can provide valuable financial protection to individuals who become unable to work due to a disability or illness. Everyday expenses don’t stop even if you can’t work, and medical bills from your disability can end up making a bad situation even worse. Disability insurance can help you maintain your quality of life and cover your expenses if you are unable to work. 

If you’re interested in learning more about disability insurance or purchasing a policy, speak to a licensed insurance agent at Occidental Underwriters of Hawaii who can help you find the right coverage for your needs.

The Basics of Disability Income Insurance

Occidental Underwriters of Hawaii, Ltd. is one of MassMutual’s partners.

Steps to disability insurance


Determine How Much Coverage You Need

Use this calculator to approximate how much disability insurance coverage you need based on your income.  Disability insurance can protect up to 70% of your income.


Determine the Duration

How long would you like disability insurance coverage for?
Disability policies can be for both short and long-term disabilities spanning from as little as 3 months to many years, even up to your retirement from the workforce.


Compare and Apply

We’ll send you a list of solutions and find the best fit for you.
We have been proudly serving the families of Hawaii for nearly 90 years.  We look forward to helping you find the disability policy that will protect your income and your family.


Request a Quote

MM slash DD slash YYYY