Your income is your most valuable asset.
Disability Insurance
Most people insure their car and home, but forget to protect the income that pays for everything. Disability insurance fills that gap.
The risk most people underestimate
Statistics show that one in four workers will experience a disability that prevents them from working for 90 days or more before they reach retirement age. Yet disability insurance remains one of the most overlooked forms of financial protection.
What you need to know
Short-Term Disability
Covers a portion of your income for a short period — typically 3 to 6 months — after an illness or injury. Often provided by employers, but coverage limits vary widely.
Long-Term Disability
Provides income replacement for extended periods — sometimes until retirement age. This is the coverage that truly protects your financial future if you cannot work for years.
Own-Occupation vs. Any-Occupation
Own-occupation policies pay if you cannot perform your specific job. Any-occupation policies only pay if you cannot work in any job. The distinction matters enormously.
Group vs. Individual Policies
Employer group coverage is convenient but often limited and not portable. An individual policy stays with you regardless of where you work.
Who needs disability insurance?
Anyone who depends on their income
If your lifestyle, mortgage, or family depends on your paycheck, disability insurance is essential.
Self-employed professionals
Without employer coverage, you are entirely responsible for protecting your income.
High-income earners
The more you earn, the more you have to lose — and the more important own-occupation coverage becomes.
People with significant debt
A mortgage, student loans, or business debt does not pause if you cannot work.
Common questions
Answers to what most people wonder about.
Explore more topics
Protect the income that protects everything else.
Let us help you understand what disability coverage you have, what you need, and how to close the gap.