Understanding Disability Insurance

We design custom salary continuation plans that act as a personal safety net for your most valuable asset: your ability to earn an income. By tailoring coverage to your specific profession and lifestyle, we ensure your financial foundation remains unshaken even if an injury or illness prevents you from working.

Why do I need disability insurance (what is it?)

Your income is your greatest asset.

If illness or injury prevents you from working, your paycheck stops.

Disability insurance replaces income so your lifestyle and long term plans stay on track.

How much do I need?

Most policies replace 50 to 70 percent of your income in case you get hurt, sick, or injured.

The exact amount depends on your earnings and how the policy is structured.

When do benefits begin

Benefits begin after your chosen waiting period.

Common options are 30, 60, or 90 days.

How long do benefits last?

Benefits can last for a few years or until retirement age.

Most professionals choose coverage that lasts to age 65 or 67.

How much does it cost?

Most policies cost about 1 to 3 percent of your annual income.

Cost depends on age, health, occupation, and coverage details.

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Have questions about disability insurance? We’re here to help.