Disability Insurance That Protects Your Income and Lifestyle

When You Can’t Work, Your Plan Should Keep Working

Your ability to earn an income is one of your most valuable assets—and one of the most overlooked when it comes to financial protection. Let us help you put the right disability insurance in place before life throws a curveball. Whether you’re a high-earning W-2 employee or a self-employed business owner, we’ll guide you through options that protect your paycheck, your family, and your long-term goals if you’re ever unable to work due to injury or illness.

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What We Do 

Income Protection That’s Actually Built Around Your Income

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We don’t just sell policies—we help you understand how disability coverage works, what to expect from your employer benefits, and how to fill in the gaps. Our goal is to create a plan that supports your monthly expenses and protects your financial momentum if you can’t work temporarily or long-term.

Individual Disability Insurance

Covers a portion of your income if you become unable to work due to a disability. Ideal for professionals who want personalized coverage that isn’t tied to an employer.

Supplemental Coverage for High Earners

Many employer-sponsored plans cap benefits at a percentage of base income, not bonuses or commissions. We help fill those gaps to ensure your lifestyle remains intact.

Short-Term & Long-Term Disability Insurance

We help you understand the difference between short- and long-term policies, waiting periods, benefit periods, and which coverage combination makes sense for your situation.

Own-Occupation Policies

For highly specialized professionals (like physicians or engineers), “own-occupation” coverage ensures you can collect benefits if you can’t perform your specific role—even if you’re able to work in another field.

Workers' Compensation

Covers job-related injuries or illnesses, but only applies to incidents that happen at work. Disability insurance fills the gap by protecting your income from non-work-related conditions that could still prevent you from earning.

Common Disability Insurance Questions

  • Do I need disability insurance if I already have employer coverage?

    Maybe. Group policies often cover only a portion of base salary, and benefits may be taxable. We’ll help you evaluate whether additional private coverage makes sense based on your total income and lifestyle.

  • How much of my income will disability insurance replace?

    Typically 50%–70%, depending on the policy. We tailor your coverage to match your actual income and expenses, so you can maintain stability if something unexpected happens.

  • What’s the difference between short- and long-term disability?

    Short-term typically covers a few weeks to months after an injury or illness. Long-term disability picks up where short-term ends and may last for years—or even until retirement age.

  • Can I get coverage if I’m self-employed?

    Yes. In fact, self-employed professionals often need coverage even more, since there’s no employer safety net. We offer policies specifically structured for independent contractors and small business owners.

  • What counts as a “disability”?

    Each policy defines it differently, but most cover injuries, serious illnesses, or conditions that prevent you from working in your occupation. We’ll explain the fine print so there are no surprises.