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Disability Insurance

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Safeguard Your Income When Life Interrupts Work

What Disability Insurance Is

Disability Insurance is designed to protect your income if an illness or injury prevents you from working. While recovery should be your only focus, financial obligations don’t pause. Disability coverage helps replace a portion of your income so you can continue meeting everyday expenses without draining savings or relying on debt.

This coverage complements employer benefits or fills the gap when no employer plan exists.

Safeguard Your Income When Life Interrupts Work

What Disability Insurance Is

Disability Insurance is designed to protect your income if an illness or injury prevents you from working. While recovery should be your only focus, financial obligations don’t pause. Disability coverage helps replace a portion of your income so you can continue meeting everyday expenses without draining savings or relying on debt.

This coverage complements employer benefits or fills the gap when no employer plan exists.

How Income Replacement Works

If you’re unable to work due to a covered illness or injury, Disability Insurance provides monthly cash benefits. These payments can be used for:

  • Rent or mortgage payments

  • Utilities and groceries

  • Loan and credit obligations

  • Family living expenses

Benefits are paid directly to you, giving you flexibility during recovery.

 

Benefit Amounts & Duration

Coverage is customizable based on your income, needs, and eligibility. Options may include:

  • Monthly benefit amounts up to a defined maximum

  • Short-term or longer benefit periods

  • Total or partial disability benefits

  • Return-to-work incentives in some plans

Your advisor will help determine a benefit structure that aligns with your financial responsibilities and risk profile.

 

Who Should Consider Disability Coverage

Disability Insurance is especially important if you:

  • Rely on your income to support yourself or your family

  • Are self-employed or a contract worker

  • Have limited or no employer disability benefits

  • Want additional protection beyond group coverage

Simply put—if your income stops, life gets expensive fast.

Book a Disability Coverage Review

Let’s assess how much income protection makes sense for your situation.

Feature Disability Insurance
Primary Purpose Replace a portion of lost income
Trigger Event Covered illness or injury
Benefit Type Monthly cash payments
Benefit Duration Short-term or long-term (policy dependent)
Partial Disability May be available
Total Disability Yes
Return-to-Work Support May be included
Use of Funds Any purpose (living expenses, bills, loans)
Works With Employer Plans Yes (supplements gaps)
 

Coverage Providers

We offer Disability Insurance solutions through trusted insurers such as Combined Insurance and Industrial Alliance, selected based on fit—not brand.

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