Life & Health — Individual
Disability Insurance
Your ability to earn income is your most valuable asset. Protect it.
Most people are far more likely to experience a disabling illness or injury than they are to die prematurely — yet far fewer carry disability coverage. If an accident or health condition prevents you from working, disability insurance replaces a portion of your income so you can keep paying your bills and focus on recovery.
What's Covered
- Short-term disability — income replacement for 90 days to one year
- Long-term disability — coverage that can extend to age 65 or for life
- Own-occupation coverage — pays if you cannot perform your specific job
- Partial and residual disability benefits
- Cost-of-living adjustments to keep pace with inflation
- Business overhead expense coverage for self-employed professionals
Why It Matters
Social Security disability benefits are difficult to qualify for and rarely sufficient to maintain your lifestyle. Employer-provided disability benefits, if you have them, typically replace only 60% of base salary and may be taxable. A personal policy fills the gap and stays with you regardless of where you work.
Common Questions
What is 'own-occupation' disability coverage?
Own-occupation policies pay benefits if you cannot perform the specific duties of your regular occupation — even if you could technically work in another field. This is especially important for professionals like physicians, attorneys, and skilled tradespeople.
How much disability coverage can I get?
Most carriers will insure up to 60–70% of your gross income. The limit is designed to maintain an incentive to return to work. We help you structure coverage across multiple carriers if higher benefit amounts are needed.
Does my employer's disability plan cover me adequately?
Employer plans are a starting point, but they often exclude bonuses, commissions, and business income, and benefits may be taxable. We review your existing coverage and identify gaps that a personal policy can fill.
Ready to get covered?
Talk to one of our advisors about the right policy for your situation. No pressure, no jargon — just honest guidance.