Protect your income. Stay financially secure.

Disability insurance replaces a portion of your income — commonly around 60% — if an injury or illness keeps you from working. Your ability to earn is likely your largest financial asset, and a disability is far more common during your working years than most people expect. This coverage keeps the bills paid when a paycheck stops.

Workers' comp only covers work-related injuries, and Social Security disability is hard to qualify for and slow to pay. Most disabilities happen off the job — illness, accidents at home — and leave a gap those programs don't fill. A personal disability policy covers you regardless of where or how it happens.

Short-term disability covers a few weeks to several months — useful for recovery from surgery or childbirth. Long-term disability picks up after that and can pay for years or until retirement age for a serious condition. Many people pair the two; we'll structure the right combination.

Premiums generally run a small percentage of the income you're insuring, and depend on your occupation, age, health, and how the policy defines disability and its waiting period. Because terms vary widely, the definition (“own occupation” vs “any occupation”) matters as much as the price. We compare carriers and explain the fine print.

Yes — individual disability policies are made for self-employed people and small-business owners who don't have employer coverage. There are even policies that help cover business overhead if you can't work. We'll match coverage to how your income and business actually function.