Your Income Is at Risk — Are You Protected?

By FDAS Director of Sales for North Florida, Brock Shelton

Life-altering illnesses and injuries happen every day. While this isn’t a topic most people enjoy discussing, it is an unavoidable reality of life. No one plans to become sick or injured, and we don’t know when these events will happen. However, what is within our control is how prepared we are. By taking proactive steps today, you can help protect your family, your business and the assets you’ve worked so hard to build by having the right disability policy in place.

You’ve heard it before, but it bears repeating: your ability to earn an income is one of your most valuable assets. You invested hundreds of thousands of dollars in dental school and countless hours developing your skills and building your career. In the blink of an eye, an unexpected accident or illness could threaten everything you’ve spent years working toward. Without proper protection, the financial consequences can be overwhelming. We all know the bills keep coming regardless of what life throws our way.

This is not meant to minimize the importance of life insurance, as it plays a critical role in any financial plan. However, statistically speaking, the risk of becoming disabled during your working years is significantly higher than the risk of premature death. According to a 2025 article published by the Social Security Administration, “For an insured worker who attains age 20 in 2025, the probability of becoming disabled between age 20 and normal retirement age is 24 percent, while the probability of dying during that same period is 13 percent.” These numbers clearly illustrate why disability coverage is a necessity.

Despite these risks, many Americans are still underprotected. The Council for Disability Income Awareness reports that 51 million Americans have no disability insurance beyond the basic coverage provided by the Social Security Administration. Furthermore, the Centers for Disease Control data from 2024 estimates that one in four adults in the United States, approximately 28.7% is living with a disability, and that number is expected to continue rising in the coming years.

These alarming statistics highlight the need for a comprehensive disability policy that can help replace lost income and provide financial stability during challenging times. The right coverage offers more than just income protection; it provides confidence and peace of mind, knowing you and your family are prepared for the unexpected.

Don’t wait until it’s too late. Secure your financial future today. Call or text us today at 850.681.2996 to discuss your disability insurance options and protect your income before the unexpected happens.

Mr. Brock Shelton can be reached at 850.350.7140 or brock.shelton@fdaservices.com.