Disability 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 consideredUnderstand the difference between “Own Occupation” and “Any Occupation” definitions in long term disability contractsDetermine the right amount of coverage that allows you to maintain your lifestyle and continue to save for the futureBusiness owners understand and place group coverage, overhead expense coverage and buy-out insuranceAs we are not captive to any one carrier, we can help quote and place coverage almost any insurance company SCHEDULE A MEETING 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.