Your ability to earn a living is your most valuable asset. Disability insurance replaces a portion of your income if an illness or injury prevents you from working — keeping your family financially stable when it matters most.
Disability insurance pays you a monthly benefit — typically 60 to 70 percent of your income — if you become unable to work due to a covered illness, injury, or medical condition. It is designed to cover your essential expenses: mortgage or rent, utilities, groceries, and ongoing medical costs.
Most people assume workers' compensation or Social Security will cover them. In reality, workers' comp only applies to on-the-job injuries, and Social Security disability benefits are notoriously difficult to qualify for and take months or years to receive. A private disability policy fills that gap reliably and on your own terms.
Did you know? Over 1 in 4 workers will experience a disability lasting 90 days or more before retirement. Most have no income protection in place when it happens.
Covers income replacement for a shorter period — typically 3 to 6 months — for temporary injuries, surgeries, or recoveries including maternity leave.
Kicks in after a short-term period ends and can provide income replacement for years — or all the way to retirement age — for serious or permanent conditions.
The strongest form of coverage — pays benefits if you can no longer perform your specific occupation, even if you're able to do other types of work.
Lock in your premium and benefits at enrollment. The carrier cannot raise your rates or reduce your coverage as long as premiums are paid.
No employer safety net, no group benefits, no paid sick leave. If you can't work, your income stops immediately. Disability insurance is the single most important protection for self-employed professionals.
If your household would struggle to cover monthly expenses after 30 days without your paycheck, you need disability coverage. It's not just for catastrophic events — common conditions like back injuries, cancer, and heart disease are among the top causes of disability claims.
Construction, healthcare, transportation, and other physically demanding careers carry a higher risk of disabling injury. An own-occupation policy ensures your specific income stream is protected, not just your ability to work in general.
Thinking about disability coverage? I'll walk you through short-term and long-term options, explain the difference between own-occupation and any-occupation policies, and help you find a plan that fits your income and budget. No jargon, no pressure.
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