Protect your ability to earn
Without income protection, even a short interruption caused by illness or injury can create financial hardship. Disability coverage helps keep your plans moving while you recover.
Understanding the coverage
Disability insurance replaces a portion of income when a covered illness or injury prevents you from working. It can help protect your lifestyle, savings, and long-term goals during recovery.
How it works
We turn a complicated decision into a guided conversation—without pressure or unnecessary jargon.
Short-term disability may replace income for a limited period after illness, injury, or maternity leave.
Long-term disability can provide benefits for extended disabilities lasting years or potentially to retirement age.
Individual policies can be tailored to income, occupation, and existing employer coverage.
Employer coverage may provide a foundation but may not replace enough income or remain portable.
Why it matters
Protect a paycheck and household lifestyle
Help cover housing, bills, and daily expenses
Provide financial stability during recovery
Support customized protection for professionals and business owners
Who it is for
How clients use it
Replacing income during recovery from an accident
Maintaining financial stability through a serious illness
Keeping business and household obligations current while self-employed
Helpful answers
Start with the questions clients ask most often, then open the complete FAQ library when you want to explore further.
It replaces a portion of earned income when a covered illness or injury prevents you from working under the policy’s definition of disability. It generally does not replace 100% of income.
Short-term coverage usually begins sooner and pays for a limited period. Long-term coverage generally has a longer waiting period and may pay for years or to a stated age, depending on the policy.
An own-occupation definition evaluates whether you can perform the material duties of your regular occupation. Definitions vary, and some policies later change to an any-occupation standard.
The elimination period is the time you must remain disabled before benefits become payable. Common choices vary, and a longer waiting period may lower premium but requires more emergency savings.
Insurers usually limit benefits to a percentage of verified earned income and consider existing individual or employer coverage. Limits help preserve an incentive to return to work.
Tax treatment generally depends on who paid the premium and whether the premium was paid with pre-tax or after-tax dollars. Ask a qualified tax professional to evaluate your coverage.
It may provide a useful foundation, but benefits can be capped, taxable, tied to employment, or based only on salary. Compare the net benefit with your actual monthly obligations.
Yes. Individual coverage can protect personal income, and separate business-overhead coverage may help pay eligible operating expenses during an owner’s disability.
Coverage and benefit periods vary. Many policies contain specific definitions, limitations, or exclusions, so review the contract carefully.
Many policies offer residual or partial disability benefits when an illness or injury causes a qualifying loss of duties, time, or income without total disability.
They can affect approval, price, exclusions, or benefit availability. Underwriting considers health history, occupation, duties, income, and other risk factors.
Review after income, occupation, employment benefits, business ownership, debt, or family responsibilities change, and periodically to confirm the benefit still protects your current earnings.
A personal strategy starts with a conversation