Your income is your most valuable asset — yet most people insure their car and home before protecting it. Disability insurance replaces a portion of your income if illness or injury prevents you from working.
The statistics are sobering: 1 in 4 workers will experience a disability lasting 90 days or more before they reach retirement age. Back injuries, cancer, mental health conditions, and accidents are the leading causes — and most are not work-related, meaning workers' comp does NOT apply.
Disability income insurance provides a monthly benefit — typically 60–70% of your gross income — paid directly to you while you're unable to work due to a covered illness or injury. It's the financial backbone that keeps your family afloat while you recover.
Quick math: If you earn $80,000/year and can't work for 2 years, that's $160,000 in lost income. A disability policy at 60% replacement = $96,000 in benefits received.
Benefit period: 3–6 months. Elimination period: 0–14 days. Ideal for bridging gaps in employer coverage or as a standalone policy.
Benefit period: 2 years to age 65. Elimination period: 90–180 days. Essential for prolonged illness or serious injury recovery.
"Own-occ" pays if you can't do YOUR specific job. "Any-occ" pays only if you can't do any job. Own-occupation provides stronger protection for professionals.
Nurses, physicians, dentists — your hands are your career. Own-occupation coverage is essential.
No employer STD plan. If you don't work, you don't get paid. Disability insurance is non-negotiable.
Electricians, plumbers, contractors — physical injuries can end your ability to work without warning.
Supplement employer group coverage or get portable individual coverage that stays with you between jobs.
Our licensed advisors will help you understand the right type, amount, and duration of disability coverage for your occupation and income level.
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