Protect the Income Your Life Depends On.

They serve different roles. Short-term coverage is generally designed for qualifying disabilities with a shorter benefit period, while long-term coverage extends beyond a stated elimination period with a longer potential benefit duration, subject to policy terms. Some people consider both.

Group coverage can be valuable, but it is often limited and may end or change when you leave the employer. An individually owned policy is generally portable. Whether existing coverage is enough depends on your income, occupation and financial responsibilities.

There is no cost to request a quote or compare options, and no obligation to purchase. You decide whether an option makes sense for you.

No. Depending on your state and the carriers we are appointed with, we may also be able to help you explore individual, long-term, short-term, group and business overhead expense coverage. Use the selector above to see each one.

Policies typically replace a portion of eligible income rather than all of it. The available amount varies by insurer, policy, occupation and underwriting, and is confirmed through the application process.

It is the waiting period between the start of a covered disability and when benefits begin. A longer waiting period can lower premiums, but you need savings to cover expenses during that time.

An individually owned policy is generally portable because it is not tied to your employer. Group disability coverage may end or change when you leave the employer.

It is coverage that may provide benefits when an illness or injury meets the policy’s definition of disability and other applicable requirements. Benefits are generally paid as income replacement while you are unable to work.

After a covered disability and once the elimination period is satisfied, the policy may pay a benefit for a defined benefit period, subject to the policy’s definition of disability, limits, exclusions and continued eligibility.

Benefit periods vary by policy. Some may provide benefits for a specified number of years or up to a stated age, subject to policy terms and continued eligibility.

It refers to how a policy defines disability. An own-occupation definition generally considers whether you can perform the duties of your own occupation, while an any-occupation definition is broader. Definitions vary by policy and materially affect coverage.

No. Benefits are paid only when a condition meets the policy’s definition of disability and other requirements. Policies contain exclusions and limitations that vary by insurer and product.

Premiums vary by your age, occupation, health, income, the benefit amount, elimination period, benefit period and optional features, along with the carrier and underwriting outcome.

Yes. Individually owned disability income coverage is available to many self-employed professionals, and business overhead expense coverage may also be relevant. Availability and terms depend on the carrier, occupation and underwriting.