Individuals Credit Unions
855-789-4976 Help center File a claim Login
Schedule a Call
Product Hero Deco
in a wheelchair 3

Disability Insurance

Disability Insurance helps replace lost income and cover everyday expenses.
Start the Coverage Quiz
Video poster

Protect your paycheck

If you couldn’t work for three months, six months, or longer, could your household survive on savings alone? Disability Insurance replaces a portion of your income when illness or injury keeps you from working, so your bills get paid and your family stays stable while you recover.
$5M
in benefits paid last year
51%
of Americans without disability insurance would rely on personal savings to cover income loss.
Source: 2025 Life Insurance Barometer Study, LIMRA
Our Features
  • glance icon 01
    Flexible benefits and affordable rates
  • glance icon 02
    Coverage starting around $10 per week
  • glance icon 03
    Immediate coverage
Start the quiz to determine which type of coverage is best for you
Start the Coverage Quiz
What is covered
Who is it for
Why it matters
a man with a prosthetic leg sitting on a couch and tying his shoes
nurse assists man in wheelchair with rehabilitation exercises using a small dumbbell
a young adult man smiles at an older woman using a walker as they walk down the street
What is covered

What does disability insurance cover?

Disability Insurance helps replace a portion of your income if you become unable to work due to a covered illness or injury. Benefits are paid directly to you each month and can help you keep up with everyday expenses while you recover.
  • Helps replace a portion of your lost income if you're unable to work
  • Pays monthly cash benefits directly to you during a covered disability
  • Helps cover everyday expenses like housing, utilities, groceries, and bills
Who is it for
Why it matters
For as little as $10.00 per week

For as little as $10.00 per week

protect your family's financial future
Contact Us for a Quote
disability insurance
Decoration

Hear from real families about real coverage

My family depends on my income, so protecting it just made sense. Disability Insurance helps me feel prepared for the unexpected and gives me confidence that we could continue paying our bills if I couldn't work.
Jason M. Policyholder

Why choose FSP?

AA mom dad and daughter

Trusted for over 50 years

For decades, The Family Security Plan has helped working families access affordable insurance protection and financial security.
female sales rep with client

We're with you every step of the way

We don't just sell you a policy, we're here to answer your questions and make sure you feel confident every step of the way.
couple walking dog

Simple, affordable, no medical exam

No hoops, no complicated process, just straightforward protection that's easy to understand and built around the way real families actually live.

Ready to get started?

Start the Quiz Contact Us for a Quote

Is disability insurance the right fit for me?

Watch video Disability Insurance
Disability Insurance
Video

Disability Insurance

1:43 Disability
If you’re exploring disability insurance, <br/>you’re not alone.

If you’re exploring disability insurance,
you’re not alone.

Our resources can help you better understand your options and make informed decisions.
Visit Education Hub

Common questions about disability insurance

Protection you can feel confident about

I was surprised by how affordable disability insurance was. It's one of those things you hope you never need, but knowing my income is protected if life takes an unexpected turn gives me real peace of mind.
Amanda L. — Policyholder
Knowing I have disability insurance takes a huge weight off my shoulders. If something unexpected keeps me out of work, I won't have to choose between focusing on my recovery and paying my bills.
Stephanie R. — Policyholder
I never realized how important my paycheck was until I thought about what would happen if I couldn't earn it. Disability insurance gives me confidence that my family would still have financial support if an illness or injury kept me from working.
Mark T. — Policyholder
woman taking assessment large

Let's get you started

We'll help you choose the right coverage with confidence.
Schedule a Call
Back
Product Assessment
0 % Complete
Close
Percent
What best describes your current life situation?
How old are you?
Are you currently employed?
What is your biggest financial concern if something unexpected happened?
Select all that apply
Empty Line
Which of these apply to your current situation?
Select all that apply
Empty Line
How long do you need coverage?
Would you like to cover anyone else in your family?
Select all that apply
Empty Line
How would you describe your lifestyle?
What matters most to you in an insurance plan?
What weekly budget are you comfortable with for insurance?
Almost there! Where should we send your personalized recommendation?
A Family Security Plan® specialist may also reach out to answer any questions.

    Privacy Policy
    overlay
    Leave the quiz?
    If you exit now, your answers won't be saved and you will need to start over next time.
    Exit Quiz Keep Going
    Back
    Coverage Quiz
    0 % Complete
    Close
    Percent
    What’s your age range?
    Do you support children, a spouse, or other family members?
    Have you had a big life change lately?
    What best describes your job situation?
    Do you or your spouse work in a high-risk job?
    (for example a firefighter, police officer, construction worker, etc.)
    How long could your household stay afloat if your income stopped?
    coverage quiz image 01
    Do you have emergency savings set aside?
    Do you have life or supplemental insurance through work or elsewhere?
    Will your insurance coverage continue if you leave your job or retire?
    Have you reviewed your insurance in the past year?
    Do you have any major debts?
    If something happened to you, could your family maintain their lifestyle?
    Are you concerned about losing income if you couldn’t work?
    What types of insurance are you open to learning more about?
    Select all that apply
    Empty Line
    What’s your monthly budget for coverage?
    Your Insurance Coverage Score is Ready!
    Enter your details below to view your complete results.

      Privacy Policy
      overlay
      Leave the quiz?
      If you exit now, your answers won't be saved and you will need to start over next time.
      Exit Quiz Keep Going
      Back
      Credit Union Health Score
      0 % Complete
      Close
      Percent
      Credit Union Health
      We innovate from within, embracing needed change with speed and implementing new ideas as part of a formal strategic plan.
      Are your ideas truly inspired from within your team? Does implementation happen, or do great ideas stall between inspiration and execution?
      0
      10
      Completely disagree
      Completely agree
      Next
      Credit Union Health
      Our third-party relationships are genuine strategic partnerships that advance our long-range and short-term strategies.
      Do your partners bring measurable value beyond their product or service, or do they simply fill a line item in the budget?
      0
      10
      Completely disagree
      Completely agree
      Next
      Credit Union Health
      Our leadership team holds itself and our teams accountable to clear, measurable goals, and everyone knows the numbers.
      Does the team know what is expected? Do they solve their own problems, or rely on the CEO to come up with solutions? Does everyone know and can recite the credit union's overall goals?
      0
      10
      Completely disagree
      Completely agree
      Next
      Channels Of Access
      We proactively reach out to our membership through outbound calling, email campaigns, and community outreach rather than waiting for members to come to us.
      Industry data shows only 30% of loan origination comes from proactive channels. Where does your credit union stand? Insurance is 95% proactive: how proactive are you?
      0
      10
      Completely disagree
      Completely agree
      Next
      Channels Of Access
      Our Business Development Team systematically visits employer groups and intentionally builds lasting relationships with key contacts throughout.
      Is your BD team held accountable to visits and results? Are contacts tracked continuously, not just when a position turns over?
      0
      10
      Completely disagree
      Completely agree
      Next
      Channels Of Access
      Our online and mobile banking, social media, and email marketing actively generate interest in products and services, pointing members toward educational content and referrals.
      Do you have your own content or do you pull from outside? Is it personalized and segmented by member life cycle, or are you still sending blanket messages to your entire membership?
      0
      10
      Completely disagree
      Completely agree
      Next
      Channels Of Access
      Our branches and contact center are optimized to educate members and generate meaningful cross-selling results, not just service transactions.
      How is cross-selling measured? Is it consistent across the team, or dependent on a few top performers? Does everyone know the numbers, and are those numbers celebrated?
      0
      10
      Completely disagree
      Completely agree
      Next
      Member Engagement
      We have a systematic outbound engagement program that builds trust before the call, uses member data to personalize each conversation, and produces measurable results.
      Is it truly systematic, or occasional and one-off? Do you warm up the call with personalized emails first? A program that runs occasionally produces occasional results.
      0
      10
      Completely disagree
      Completely agree
      Next
      Member Engagement
      Our member engagement conversations consistently lead to action - members participating in appropriate products and services - and we track and celebrate those results.
      What is the desired call to action on each engagement, and is it consistently measured? Are the actual results meeting the purpose of the program?
      0
      10
      Completely disagree
      Completely agree
      Next
      Member Engagement
      We measure the critical metrics of our engagement program - loan conversions, cross-sell results, retention rates - and use that data to make real decisions.
      Can you show the results of your engagement program right now in a report, not an estimate? A program without data is a program running on belief.
      0
      10
      Completely disagree
      Completely agree
      Next
      One last step.
      Your Credit Union Health Report is ready. Enter your information below and a Family Security Plan specialist will be in touch to walk through your results.

        Privacy Policy
        overlay
        Leave the quiz?
        If you exit now, your answers won't be saved and you will need to start over next time.
        Exit Quiz Keep Going