Disability
Subjective risk questionnaires nearly always miss the mark.
What is disability insurance?
Your ability to earn a living and contribute to your household is likely your most valuable asset. Disability insurance replaces a portion of your income—or helps cover the cost of household services for stay-at-home-parents—should illness or injury prevent you from doing your job. We can help protect your income, and your family, with disability insurance. Let us help you find the right coverage.
Why do I need it?
A disability policy can help supplement your employer’s plan.
By owning a disability policy, you can close the gap between what’s covered by your employer’s group policy and what you need to maintain your lifestyle. Even if you have group disability insurance through work, most group plans:
- Only cover a portion of your income (typically 50-65%)
- Deliver benefits often subject to income tax
- End when you leave the company
- Offer coverage for 6-24 months.
“Your ability to earn an income is one of your largest assets, so why not protect it the same way you’d protect your car or home?”
