Solutions that Revolve Around You Insurance for Individuals
Home > RiverSource Insurance > Life & Disability Income Insurance > Disability Income Insurance > Total Disability Income Insurance
Total Disability Income Insurance
Disability income insurance policies vary. Some will pay benefits if you are unable to perform the duties of your regular occupation, while others pay only if you are unable to engage in gainful employment. It is important to determine how a policy defines disability.
Total Disability
This type of policy typically pays a monthly benefit if a long-term illness or injury prevents you from working, as defined by the policy.
Total Disability Income Insurance Products
Income Protection Plan (Two-Year or Five-Year)
Issued by RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York
If you are in an occupation that requires a specialized skill or if you are self-employed, the RiverSource Income Protection Plan may help provide the type of coverage you need. It pays a monthly benefit if a long-term illness or injury prevents you from performing your current occupation, even if you go to work in another field.
Business Overhead Expense Plan
Issued by RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York
If you are a business owner and want to help ensure that you can continue to pay your monthly business expenses if a long-term illness or injury prevents you from working, the RiverSource Business Overhead Expense Plan may help provide the type of coverage you're seeking. It pays a monthly benefit so that you can continue to fund the operation of your business.
RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. These companies are affiliated with Ameriprise Financial Services, Inc. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.