Disability Insurance Coverage

Disability insurance is designed to provide income replacement if you become unable to work due to a qualifying illness or injury. Many people assume it only applies to severe accidents, but most claims are due to common conditions such as back injuries, cancer, heart disease, or mental health challenges.

Without coverage, a temporary or long-term disability could lead to significant financial strain. Disability insurance helps you maintain your standard of living by covering essentials like:

– Mortgage or rent payments
– Utility bills
– Groceries and household expenses
– Medical costs not covered by health insurance
– Childcare or education expenses

We help you understand the difference between short-term and long-term disability insurance so you can choose the right protection:

Short-Term Disability Insurance
– Provides income replacement for a limited period, typically 3 to 6 months. This is ideal for temporary conditions such as recovery from surgery or childbirth complications.

Long-Term Disability Insurance
– Offers coverage for extended periods, often several years or until retirement age, depending on the policy. This is essential for more serious or chronic conditions that prevent long-term employment.

For business owners or self-employed individuals, we also offer specialized disability policies tailored to protect your business income and operational continuity.

Disability insurance is not just for high-risk jobs. It is a smart financial safety net for:

– Employees without employer-provided disability benefits
– Self-employed professionals and business owners
– Primary income earners in a household
– Individuals with ongoing financial obligations such as loans or dependents
– Anyone seeking to protect their income against unexpected health events

If you rely on your paycheck to cover daily living expenses, disability insurance should be part of your financial plan.

Choosing the right disability insurance policy can be complex, with varying definitions of disability, benefit periods, and waiting periods. Our team provides:

– A personalized assessment of your income protection needs
– Comparisons of policies from reputable insurance providers
– Guidance on policy terms, exclusions, and riders
– Support in integrating disability coverage with your existing insurance plans

We ensure you fully understand your coverage so there are no surprises when you need it most.