Disability Insurance
Income replacement if you become unable to work due to illness or injury. Your ability to earn is your most valuable asset - protect a portion of your paycheck so you can focus on recovery, not bills.
Coverage Levels
Choose Your Disability Protection
Every plan provides income replacement when you can't work due to a covered disability.
Short-Term Disability
60% of income up to 2 years
- 60% income replacement
- Benefits up to 24 months
- 90-day elimination period
- Covers illness and injury
- Guaranteed renewable
Long-Term Disability
60% of income to age 65
- 60% income replacement
- Benefits to age 65
- 180-day elimination period
- Own occupation coverage
- Cost of living adjustments
- Partial disability benefits
Comprehensive Disability
65% of income with enhancements
- 65% income replacement
- Benefits to age 67
- 90-day elimination period
- Own occupation coverage
- Cost of living adjustments
- Partial disability benefits
- Rehabilitation support
- Survivor benefits
Income replacement percentages and benefit periods shown for illustration. Actual benefits and premiums vary by age, occupation, carrier, state, and eligibility.
What's Covered
Common Causes of Disability
Most disabilities stem from illness rather than accidents - coverage protects against both.
Musculoskeletal Disorders
Back injuries, arthritis, joint problems
Mental Health Conditions
Depression, anxiety, bipolar disorder
Cancer
All forms of cancer treatment
Cardiovascular Disease
Heart attack, stroke, heart disease
Injuries
Accidents, fractures, trauma
Nervous System Disorders
Multiple sclerosis, epilepsy, Parkinson's
Testimonials
Income Protection When It Mattered
"A multiple sclerosis diagnosis changed my life. Disability insurance has provided steady monthly income while I focus on my health. I couldn't manage without it."
"I broke my back in an accident and couldn't work for months. The disability benefits helped cover my mortgage and living expenses while I recovered."
"Severe depression made it impossible to work. The mental health coverage provided income during my recovery and real peace of mind."
Testimonials reflect individual experiences and are not a guarantee of future results.
Protect Your Most Valuable Asset
Your ability to earn income supports everything you've built. A licensed agent can find affordable protection in minutes - no obligation.