Disability Insurance
Protect Your Income. Protect Your Future.
Disability Insurance replaces a portion of your income if you become unable to work due to a covered illness or injury. It helps you cover your bills, protect your lifestyle, and focus on recovery.
Helps replace lost income so you can maintain your financial stability.
Covers your essential expenses while you're unable to work.
Provides security for you and your family during difficult times.
What Is Disability Insurance?
Disability Insurance is a type of coverage that provides monthly benefit payments if you are unable to work due to a covered illness or injury. The policy pays you a portion of your income, helping you cover living expenses and maintain your financial stability while you recover.
Why It Matters
- Your most valuable asset is your ability to earn an income.
- Most disabilities are caused by illness, not accidents.
- Savings alone may not be enough to cover long-term expenses.
- Helps protect your lifestyle and financial goals.
- Provides security for you and your loved ones.
How Disability Insurance Works
It's simple to protect your income in 3 easy steps.
Select a policy that fits your income, occupation, and financial needs.
If you become disabled due to a covered illness or injury and can't work, you file a claim.
Once approved, you receive monthly payments to help replace a portion of your income.
Types of Disability Insurance
A quick guide to the most common disability coverage options.
Individual Disability Insurance (IDI)
A personal policy that replaces part of your income if you can't work due to illness or injury. It's best for self-employed professionals, business owners, or anyone whose employer coverage isn't enough.
Short-Term Disability (STD)
Provides benefits for a brief period, usually a few weeks to a few months, after a temporary disability. It's ideal for covering immediate expenses during recovery from surgery, injury, or maternity leave.
Long-Term Disability (LTD)
Pays benefits for an extended period, often years or until retirement age, for serious disabilities. It's essential for anyone who depends on a long-term paycheck to support their family or lifestyle.
Business Overhead Expense (BOE)
Covers ongoing business expenses like rent, payroll, and utilities if a business owner becomes disabled. It's perfect for small business owners who need to keep their company running while they recover.
Disability Buy-Out Insurance
Provides funds for business partners to buy out a disabled owner's share of the company. It's best for partnerships that want a clear succession plan if an owner cannot return to work.
Key Person Disability Insurance
Protects a business if a key employee becomes disabled and can't contribute. It helps cover lost revenue and temporary replacement costs, making it valuable for businesses that rely heavily on one or two people.
Key Benefits
Helps replace a portion of your income so you can keep up with your monthly expenses.
Protects your savings and investments during periods of disability.
Choose your benefit amount, elimination period, and benefit duration.
Helps ensure your family's financial security when you need it most.
Focus on your recovery knowing your finances are better protected.
Who Should Consider Disability Insurance?
Protect your income and maintain your lifestyle if you can't work.
Ensure your business and personal income are protected if you're disabled.
Doctors, lawyers, and other professionals rely on their ability to earn.
Protect your income no matter your occupation or line of work.
Anyone with financial responsibilities can benefit from this protection.
Frequently Asked Questions
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