Disability income insurance

Help protect your income from an unexpected illness or injury

What would you do if your income stopped? A long-term illness or injury can happen at any age and any time. RiverSource Insurance income protection solutions can help safeguard your income and protect your lifestyle from the unexpected, so you can focus on what matters most.

What is disability income insurance?

Disability income insurance can cover a substantial portion of your income if you are injured or ill and unable to work. Employers may offer short-term or long-term disability income insurance – but even if you opt for disability insurance through work – it may not cover your entire salary.


Planning ahead with personal disability income coverage can help reduce financial stress so you can recover with less worry. And unlike an employer-offered plan, our coverage follows you if you leave your current job. RiverSource® Income Protection Solutions are designed to help support your lifestyle and safeguard your financial future.



Disability income insurance solutions

  • RiverSource® Income Protection

RiverSource® Income Protection disability income insurance

  • An income tax-free monthly benefit*
  • Guaranteed coverage up to age 65 (as long as premiums are paid in full and on time)
  • No change to your coverage without your consent
  • Coverage for bonuses and commissions
  • For an additional cost you can also add optional coverage to help your benefit keep pace with wage and cost-of-living increases.

Discover more about RiverSource Income Protection.

More than 1 in 4 employees will be disabled for three or more months during their careers.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

Talk to an advisor

Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.

*Per IRC § 104(a)(3) All guarantees are based on the continued claims paying ability of the issuing company.
Before you purchase, be sure to ask your financial advisor about the insurance policy’s features, benefits and fees, and whether the insurance is appropriate for you, based upon your financial situation and objectives.
RiverSource Disability Income insurance policies have certain exclusions, limitations, provisions for reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and details, talk to your financial advisor