Disability Income Insurance

A woman in a wheelchair lifting a small orange dumbbell while smiling and looking at a man kneeling beside her, holding her hand, in a living room with a gray sofa and green potted plant.

Protecting the income you depend on

Your ability to earn an income is one of your most important financial assets. If an illness or injury prevents you from working for an extended period of time, individual disability insurance can help replace a portion of your income and provide financial support while you are unable to work.

I work with clients to explore disability income (DI) insurance solutions based on their income, financial obligations, existing coverage, and long-term goals.

What can Disability Income Insurance help protect?

Income Protection

Disability income insurance can help replace a portion of your income if you become too sick or injured to work. This can help you continue meeting everyday expenses and financial obligations during an extended disability.

Protecting Your Financial Plans

A prolonged interruption in income can affect more than your monthly bills. Disability income insurance may help reduce the need to draw down savings or retirement assets while you are unable to work.

Supplemental Protection

Some employers provide group disability insurance as part of their employee benefits. Depending on the policy, however, employer-sponsored coverage may not replace enough of your income to meet your needs.

An individual disability policy can potentially supplement existing group coverage and provide protection that is not tied to a particular employer.

Coverage Designed Around Your Circumstances

Individual disability insurance can offer different coverage options and policy features depending on the insurer, your occupation, income, and other circumstances. Certain policies may also offer riders or other features that allow coverage to change as your income or financial needs change.

Who might consider Disability Income insurance?

Disability income insurance can be relevant to anyone who relies on earned income to support themselves or others.

It may be particularly worth exploring for:

Business owners and self-employed individuals
Healthcare professionals
Business executives
Attorneys
Accountants
Technology professionals
Other professionals whose income is central to their financial plans

How much Disability Income insurance do I need?

The amount of disability income protection you may need depends on factors such as your income, monthly expenses, existing disability coverage, savings, and financial obligations.

Use this disability insurance calculator to estimate how much coverage you may need:

Disability Income Insurance Calculator (External Link)

Already have disability insurance through your employer or another policy?

I’m also happy to review your existing coverage with you to help determine whether it continues to be appropriate for your current circumstances and needs.

How can I protect my income?

Your Disability Income insurance needs depend on your income, occupation, existing benefits, financial obligations, and long-term goals.

Contact me to discuss your circumstances, and we can work together to explore individual disability insurance options appropriate to your needs.

Complete the brief form below, and I’ll review your information and follow up within two business days.