Your Income Is Your
Greatest Asset. Protect It.
1 in 4 Americans will become disabled before reaching retirement age. If you can't work, how will you pay your mortgage, groceries, and bills?
Most employer group disability plans only replace 60% of your salary — and the benefit is taxable, leaving you with far less than you think.
What We Cover
Short-Term Disability
Income replacement for 3–6 months
Long-Term Disability (LTD)
Benefits payable to age 65 or for life
Own-Occupation Definition
Pays if you can't do YOUR specific job
Business Overhead Expense
Keeps your business running when you can't
Workers will be disabled before retirement
Americans living with a disability today
Average length of a long-term disability claim
Households couldn't cover expenses past 1 month
Disability Insurance Options
We help you build a layered protection strategy that covers both short-term setbacks and long-term disabilities.
Short-Term Disability (STD)
Short-term disability insurance kicks in when you can't work due to illness, injury, or pregnancy — typically after a 7–14 day elimination period. Benefits replace 60–80% of your income for up to 26 weeks.
- Benefit period: up to 26 weeks
- Covers illness, injury, maternity leave
- Short elimination period (7–14 days)
- Often purchased individually or via employer
Long-Term Disability (LTD)
LTD takes over when your short-term benefits run out. It replaces 50–70% of your gross income and can continue paying benefits all the way to age 65 — or even for life. This is the policy that truly protects your financial future.
- Benefit period: 2 years to age 65
- Replaces 50–70% of your income
- Own-occupation definitions available
- Non-cancelable options lock in your rate
Business Overhead Expense (BOE)
If you're a business owner or self-employed, your business has fixed overhead costs (rent, staff, utilities) that keep running even if you can't work. BOE insurance covers these expenses — keeping your business afloat while you recover.
- Covers rent, payroll, utilities, loans
- Benefit period typically 12–24 months
- Tax-deductible as business expense
- Protects the business you've built
Supplemental DI
Have group DI through your employer but know it's not enough? Supplemental disability insurance fills the gap — adding additional monthly benefit on top of your group coverage so you maintain your full standard of living.
- Portable — stays with you if you change jobs
- Covers group plan limitations
- Own-occupation protection
- Often issued without full medical underwriting
Who Needs Disability Insurance?
Anyone who depends on their income to live needs disability protection. Here are the people we help most:
Salaried Employees
Your employer's group plan likely falls short. We help you layer on individual coverage.
Tradespeople
Physically demanding jobs carry the highest disability risk. Protect your earning power.
Medical Professionals
Physicians and dentists need own-occupation coverage to protect their specialized income.
Self-Employed
No employer plan. No sick pay. We build your complete income protection from scratch.
Homeowners with Mortgages
A disability could mean losing your home. DI ensures the mortgage gets paid.
Single-Income Families
One income supporting an entire family — the stakes for disability coverage are highest here.
Common Questions
Q. What counts as a disability?
It depends on your policy definition. 'Own-occupation' pays if you can't perform the duties of YOUR specific occupation. 'Any-occupation' only pays if you can't work ANY job. We always recommend own-occupation coverage for maximum protection.
Q. How much does disability insurance cost?
Typically 1–3% of your annual income. For example, if you earn $80,000/year, a comprehensive LTD policy usually runs $80–$200/month. The cost depends on your occupation, health, benefit amount, and waiting period.
Q. Does my employer provide disability coverage?
Many employers provide short-term disability and sometimes LTD coverage, but it's usually only 60% of your base salary — not commissions or bonuses — and the benefit is taxable if the employer paid the premium. We analyze your gap and build a supplemental solution.
Q. How long is the waiting (elimination) period?
Short-term policies typically have a 7–14 day waiting period. Long-term disability policies usually have an elimination period of 90–180 days. We help you coordinate your STD and LTD policies so there is no income gap.
Don't Wait Until It's Too Late
Disability insurance can only protect you when purchased before a disability occurs. Book a free call today.