Part Time Disability?

“Do all your Disability Income Insurance (DI) clients or prospects work full time? Probably not.”

I’ve never really thought about it, but part time folks might consider disability insurance a good idea. For example, many (most?) part-timers are ineligible for company-sponsored short- or long-term disability plans. And they may not even know individual plans exist (after all, who’s actively marketing to them?).

One caveat: when IM says part-time, they mean at least 20 hours a week (on average), so folks who work less than that aren’t eligible. But I have to believe that there’s a sizable group of folks who would fit into that over 20 but less than 40 hours demographic.

Something to consider, no?