Protect your income if you can’t
work tomorrow.
Your ability to earn is your most valuable financial asset. Disability insurance replaces a portion of your income if illness or injury keeps you from working.
Income protection when you need it most
If you were unable to work for three months or longer, could you cover your mortgage and groceries? Most people can’t.
Replaces lost income
A disability policy pays a monthly benefit — typically 60–70% of your gross income — while you’re unable to work.
Covers more than injuries
Most claims are caused by illness, not accidents. Heart disease, cancer, and mental health conditions are top causes.
Works alongside your savings
Disability insurance preserves your emergency fund and retirement savings during a difficult time.
Short-term vs. long-term disability insurance
The right coverage depends on how long you need protection.
Short-Term Disability
Covers temporary setbacks — surgery recovery, illness that keeps you out for weeks or a few months.
Long-Term Disability
For serious conditions keeping you out for months or years. This is the policy most people need most.
Finding the right amount of disability coverage
The right benefit amount depends on your monthly expenses and any coverage you already have.
Start with your monthly expenses
Add up your mortgage, utilities, groceries, and car payment. That’s your minimum monthly need.
Check your employer coverage first
Many employers offer group disability insurance covering 40–60% of income. Supplement the gap with a personal policy.
The 60–70% rule
Most financial planners recommend replacing 60–70% of gross income. Disability benefits are often tax-free.
Quick Coverage Estimator
Estimate how much monthly benefit you may need.
Disability insurance is for anyone who depends on a paycheck
Self-Employed & Freelancers
No employer safety net. If you can’t work, your income stops immediately.
Primary Income Earners
If your family depends on your paycheck, losing it — even temporarily — can be financially devastating.
Healthcare Professionals
Physicians and specialists need own-occupation coverage that protects their specialized earning ability.
Business Owners
Business overhead expense (BOE) disability policies can keep operations running while you recover.
New Professionals
Early in your career, lock in coverage while you’re young and healthy — means lower rates for life.
Homeowners with Mortgages
Your mortgage doesn’t pause if you get sick. Disability coverage ensures you can keep your home.
Disability insurance — FAQ
Protect your income today.
Get a free disability insurance quote in minutes. Transparent pricing. No pressure.
