Disability Insurance
Protect your income, protect your future. Disability insurance safeguards your greatest asset—your ability to earn.
Why Disability Insurance Matters
Your income is the foundation of your financial future. Whether you’re a physician in residency or an attorney building your practice, disability insurance helps you financially navigate an unexpected life event like a disability.
Disabilities aren’t as uncommon as you might think, and even a short-term disruption to your ability to work can have a long-lasting impact on your finances. Disability insurance provides the protection you need, giving you peace of mind and financial stability no matter what life throws your way.
Key Benefits of Disability Insurance
Income Protection
Provides a safety net by covering a portion of your income if illness or injury prevents you from working.
Affordability for Early Career
Physicians and attorneys benefit from locking in lower premiums by starting coverage early.
Financial Protection
Could help minimize the need to deplete savings or retirement funds in the event of a disability.
Peace of Mind
Helps you focus on recovery without worrying about lost income.
Who Needs Disability Insurance?
Disability insurance is critical for anyone who relies on their income to support their lifestyle or long-term financial goals.
- Physicians: Starting disability insurance during residency locks in lower premiums and ensures protection before you face higher career demands as an attending.
- Attorneys: Securing coverage early in your career safeguards your earning potential as you grow your practice and manage student loans.
We specialize in tailoring disability insurance solutions to meet the unique needs of these professions and stages of life.
FAQ
When should I get disability insurance?
Generally, the earlier, the better. Premiums are typically lower when you’re younger and healthier, and securing coverage early helps ensure you’re protected before any health issues arise.
How much coverage do I need?
Since income is usually the most valuable asset we recommend protecting as much income as you can
What’s the difference between short-term and long-term disability insurance?
Short-term policies cover temporary income loss, while long-term policies provide extended coverage for disabilities lasting 3 months or longer. We only offer long term disability insurance as group short term disability is typically only available through an employer. We offer individual disability income insurance policies.
Can I customize my disability insurance policy?
Absolutely. We’ll help you choose a policy that includes the features that matter most to you, such as cost-of-living adjustments, own-occupation coverage, and partial disability benefits.