Disability Insurance
An unexpected illness or accident can stop you from working—but it doesn’t have to stop your income. Disability insurance ensures that you, your family, or your business can stay financially secure if life takes an unexpected turn.
With the right coverage, you can replace 60% to 85% of your income for a set period if you:
- Need time away from work to recover.
- Face a permanent disability due to illness or injury.
Permanent refers to the type of disability, not a lifetime of benefits—the length of your payments depends on your policy and the severity of your condition.
If you’re self-employed, this coverage can be a lifeline, helping you manage both personal expenses and business costs while you can’t work. Even if you have coverage through your employer, an individual plan can fill important gaps and provide extra peace of mind.
Because your income is more than just a paycheck—it’s your ability to keep life moving forward.
The Bottom Line
Disability insurance is a crucial safeguard for you, your family, or your business against unexpected illnesses or accidents. It provides essential protection if you are unable to work and earn an income.
Utilizing an insurance broker can be highly beneficial in navigating the complexities of disability insurance. Brokers have expertise in the field and can help you find the most suitable coverage at competitive rates. They provide personalized guidance, ensuring that you fully understand your options and can make informed decisions tailored to your specific needs and circumstances.