If your paycheck stops, we keep it coming.
1 in 4 working Americans will face a disability lasting 90+ days before they retire. Don't let a bad diagnosis cost you your rent, your groceries, or your kids' plans — insure the asset that pays for all of it.
The math on a $5,000/mo paycheck
Up to 70% of gross income replaced. Exact amount varies by state, age, and occupation class.
Six ways to protect your income.
Pick a policy type to see what it covers and start a quote.
Disability Income (Overview)
The broad category of policies that pay a monthly benefit if illness or injury stops you from earning. Short-term, long-term, individual, group, and Business Overhead Expense policies all roll up under this umbrella.
Three paths to income protection — each built for a different situation.
Disability coverage isn't one-size-fits-all. Your recovery timeline, work situation, and financial obligations all shape which type of policy makes the most sense.
Short-Term Disability
Covers temporary gaps from illness, injury, surgery, or maternity leave. Replaces part of your paycheck while you recover — so daily expenses don't pile up while work is on pause.
Long-Term Disability
For recoveries lasting months or years — cancer, stroke, chronic illness, mental health, or serious injury. Benefits typically begin after a 90–180 day elimination period and can continue for years.
Business Overhead Expense
Built for business owners. Covers rent, payroll, utilities, and fixed operating costs so your business stays open — even when you can't show up to run it.
When a short break becomes a long absence, this is what keeps your life intact.
LTD typically replaces 50–70% of your pre-disability income after the elimination period, helping you cover your mortgage, bills, and household obligations for as long as recovery takes.
Covers illness and injury
Cancer, stroke, chronic illness, mental health events, and injuries — not just workplace accidents.
90–180 day elimination period
Benefits begin after the waiting period. Short-term disability can bridge that gap.
Own-occupation definition
The strongest policies protect your ability to do your specific job — not just any job.
Disability income works harder when it's paired right.
Disability replaces your paycheck. Life and health fill in the edges. Together they form a full income-protection stack.
1 in 4 workers will become disabled before retirement.
Most people insure their car and their home. Almost no one insures the income that pays for both. Talk to an advisor today.
Your business keeps running — even when you can't.
Business Overhead Expense insurance pays the fixed costs that don't stop just because you're sidelined — giving you time to recover without losing what you built.
What it covers
Rent, utilities, staff wages, insurance premiums, loan payments, professional fees — the bills that keep your doors open.
What it doesn't replace
It covers fixed operating expenses — not your business profits or personal income. That's what individual disability coverage handles.
Who it's for
Business owners, physicians, attorneys, and key professionals whose absence would immediately threaten the business's survival.
Typical structure
Monthly reimbursement after a waiting period, usually with a benefit period of 12–24 months while you recover or transition.
Disability income, explained clearly.
Protect the paycheck that keeps everything else running.
A licensed advisor will walk you through individual, employer, and business coverage options — and find the policy that fits your income, your recovery risk, and your life.