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Disability Insurance

What is your biggest asset? Your home? Your 401(k)? Likely not. Your biggest asset is your own ability to earn an income for you and your family. Your income is the foundation that all other financial aspects of your life rests upon. Disability insurance can help you protect your paycheck should you become too sick or injured to work.

  • Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire.
  • 90% of disability claims are caused by illness – only 10% are the result of illness.
  • Over 60% of all bankruptcies in the United States in 2007 were driven by medical incidents.
  • Less than 5% of disabling accidents and illnesses are work related. The other 95% are not, meaning Workers’ Compensation doesn’t cover them.

Q: What are the benefits of working with you?

Value and Convenience:

  • You get the best policy for your your profession at the best price possible. We shop multiple companies for you to make sure you get the best value.


  • We have extensive experience with not only selecting and placing policies, but more importantly, we have helped our clients through the process of getting their claims paid. This process can be difficult and time consuming. We are there to help you get paid.

Q: What do your services cost?

We do not charge for our services. You pay the same whether you buy directly from an insurance company or go through us. In fact, we have several preferred broker and association discounts available, and we can help you design your policy to be most efficient.

Q: How much does disability insurance cost?

The cost of a policy will depend on many factors:

  • Age, health, gender, and occupation/specialty.
  • Definition of disability: Will the benefit continue if you work in a different occupation or specialty?
  • Guarantees: Guaranteed Renewable (company can increase premiums) cost less than Non-Cancelable (premium is guaranteed) policies.
  • Policy features: Elimination (waiting) period, benefit period, inflation protection, partial disability, etc.
  • The insurance company’s financial strength and claims-paying ability: Stronger companies generally charge more, but you may be more likely to get a claim paid down the road.

You can expect to pay between 1% and 4% of your gross annual income. Generally, you get what you pay for. Disability insurers have extensive claims experience and know how much to charge for a specific risk. Look for overall value, rather than just the lowest premium rate.

Q: When is the best time to buy a disability policy?

Today! Your current health and age are significant factors in determining your premium and eligibility. Serious health conditions can prevent you from obtaining a policy, so buy when you are young and healthy.

Q: Is group disability insurance good enough?

Group and association disability policies generally do not have the same features and guarantees as individual policies. They may not provide adequate benefit limits, guaranteed premiums, or offer the desired definition of disability and policy features, such as partial disability benefits. Also, they can be cancelled by either the insurance company or your employer or association (historically, many have).

The Council for Disability Awareness (CDA) is a nonprofit organization dedicated to educating the American public about the risk and consequences of experiencing an income-interrupting illness or injury.

Great Resource – spend some time there to see if you are prepared for a disability