While younger people may not feel as much at risk as older people regarding the increase in disabilities post-pandemic, there has been an observable trend of increasing injuries and disabilities associated with active lifestyles – and due to an increase in the severity of auto accidents. 

Have you ever considered how you and any people financially dependent on you would meet their financial needs?  As of January 2025, the maximum monthly Social Security Disability Insurance (SSDI) benefit is $3,822 and that is based on the maximum career earnings.  And statistically, Americans are much more likely to become disabled for a period of 6 months or more than they to die, at all ages. 

The reality is that if you purchase individual disability insurance it is not inexpensive. However, the Big "I" Long Term Disability program offers guaranteed issue (with certain requirements being met), up to $10,000 per month in benefits, a variety of plan alternatives to fit your agency’s needs, special benefits for residual disability, your choice of waiting periods and waiver of premium.  The Big “I” program has had stable rates – and a long relationship with the Guardian – in serving the members. 

And don’t forget that there is the Big "I" Short Term Disability program which protects you from loss of income during an illness or accident that prevents you from working. The program offers guaranteed issue (with certain requirements being met), up to $1,000 in weekly benefits and a variety of plan alternatives to fit. 

Last Updated: March 28, 2025