Disability insurance: your income, protected.
If illness or injury keeps you from working, disability coverage replaces a large share of your paycheck. Most disabilities come from illness, not accidents, which is exactly why healthy people underestimate the risk.
At a glance
- Replaces income, commonly around 60% of what you earn, tax treatment depending on setup.
- Short-term and long-term options, from months of coverage up to benefits lasting to retirement age.
- Own-occupation coverage available: you are covered if you cannot do YOUR job.
- Covers illness and injury, including the conditions that cause most claims.
Short-term, long-term, or both
Commonly replaces around 60% of income for up to about two years, picking up after an elimination period. It covers the recovery your sick days cannot.
Benefits can continue to retirement age for serious conditions. Longer elimination periods keep premiums reasonable; the coverage is for the scenario that changes everything.
It means you are disabled if you cannot perform your own job, not just any job. For skilled and self-employed workers this single clause is most of the policy's value.
Cost-of-living adjustments, partial disability benefits for reduced hours, rehabilitation support, and survivor benefits.
Your paycheck is the plan. Insure it.
Every other coverage protects things your income buys. Disability coverage protects the income itself, and the most common causes of claims are ordinary: back injuries, arthritis, cancer treatment, heart conditions, mental health.
For the self-employed, the case is sharper still: there is no employer plan and no sick leave. If your family runs on what you earn, this is the quiet foundation under everything else.
The foundation under the bundle
Health coverage pays for care. Disability coverage keeps the household running while you get it:
Quick answers
What is an elimination period?
The waiting time between when a disability starts and when benefits begin, commonly 90 days for short-term-style coverage and 180 days for long-term. Shorter periods cost more; we help you match it to your savings.
How much of my income can I cover?
Plans commonly replace around 60% of earnings, with comprehensive options somewhat higher. Because premiums are usually paid with after-tax dollars, benefits are often received tax-free, which closes much of the gap.
I'm self-employed. Can I get this?
Yes, and you are exactly who needs it most: no employer coverage, no paid leave. Carriers document self-employed income with tax returns, and we walk you through it.
Does it cover illness or just injuries?
Both. In fact most disability claims come from illness: musculoskeletal conditions, cancer, heart disease, and mental health are among the leading causes.
Ready when you are
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