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Disability Income Insurance

Protecting your income from loss of wages due to disability can be one of the most important aspects of your risk management portfolio.  Employer provided coverage is a terrific benefit, but still typically leaves a sizable income gap and can have significant benefit restrictions. 

Business owners use Disability Overhead Expense Insurance to pay overhead should they become disabled while Disability Buy-Out Insurance is used to fund a disability Buy-Sell agreement.

We can help:

  • Understand group coverage provided by your employer and determine if supplemental coverage should be considered
  • Understand the difference between “Own Occupation” and “Any Occupation” definitions in long term disability contracts
  • Determine the right amount of coverage that allows you to maintain your lifestyle and continue to save for the future
  • Business owners understand and place group coverage, overhead expense coverage and buy-out insurance
  • As we are not captive to any one carrier, we can help quote and place coverage almost any insurance company

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Disability and Your Finances

In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.

Disability Income

This calculator estimates your chances of becoming disabled and your potential need for disability insurance.

Can Group, Private Disability Policies Work Together?

Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.