Disability / Income Replacement
Protect your biggest asset: your future income.
The asset most people forget to insure.
For someone in their working years, future income is almost always the single biggest asset on the personal balance sheet. A 40-year-old earning $150k has roughly $4 million of remaining lifetime income ahead of them. Disability insurance protects it.
Where most people’s coverage falls short
- Group LTD through work typically replaces ~60% of base salary, taxed if the employer pays the premium, and disappears if you change jobs
- No coverage for self-employed owners beyond Social Security disability—which has a notoriously difficult approval process
- Definition of disability matters. “Own occupation” vs. “any occupation” can be the difference between getting paid and being told to go work as a Walmart greeter
What we look at
- True income replacement target after taxes
- Elimination period (how long until benefits start)
- Benefit period (how long benefits continue)
- Own-occupation vs. any-occupation language
- Cost-of-living adjustment, residual benefit, future-increase options
For business owners and high-earners especially, an individual policy on top of group coverage is usually well worth the cost.
Let's see if we're a good fit.
A 30-minute introductory call—no pressure, no obligation. We'll talk through your goals and whether working together makes sense.