Imagine what your life would be like if your income was no longer there to support you or your household. That reality is facing many of your members. That is why The Family Security Plan® added Disability Income Insurance as a critical benefit offered to the credit union community. Without short term disability insurance, families could be forced to cut back on the basics such as food, housing, and clothing. Our program helps your members replace some of their income lost due to a disabling injury or illness. Disability Income Insurance is designed to replace a percentage of one’s gross income on a tax free basis, should a disability prevent one from earning an income.