Your paycheck is your biggest asset. Insure it.
A disability lasting 90+ days before retirement is more common than most workers expect. Disability income insurance replaces up to 60–70% of your income — tax-free — if illness or injury keeps you from working. Get a free, carrier-neutral quote from a licensed producer.
Get my free disability quoteRead the free guide firstTrue own-occupation definitions · Non-cancelable, guaranteed-renewable policies · Individual and business-owner coverage
Protect Your Paycheck: Disability Income Insurance Guide
Own-occ vs. any-occ, elimination and benefit periods, the employer-coverage gap, sample premiums, and a coverage-gap worksheet. Free PDF.
Why group coverage at work is not enough
Employer LTD is a start — but it has gaps that only show up when you file a claim.
60% of base pay, taxed
Group plans exclude bonus and commission and benefits are taxable — netting closer to 45% of take-home pay.
Definition changes at 24 months
Most group plans switch from own-occupation to any-occupation after two years — far harder to qualify.
Not portable
Leave the job and coverage ends. Individual DI follows you and locks in your age and health today.
Own-occupation protection
Individual policies can pay the full benefit if you cannot do your job — even if you work in another field.
How it works
Tell us your occupation, income, and any coverage you already have.
A licensed producer compares definitions, riders, and premiums across carriers for your occupation class.
See how the elimination period, benefit period, and riders change the price — and pick the mix that fits your budget.
Free quote → the carrier pays us if you buy. Your premium is the same either way.
Who you are working with
Request your free quote
This is a quote request — not a checkout and not an application for coverage. A licensed producer reviews your details and contacts you. Submitting this form does not purchase or bind any coverage.
We never sell your information. You can opt out of communications at any time.
Frequently asked questions
How much does disability insurance cost?
Cost depends on your income, occupation, benefit amount, elimination period, and benefit period; skilled trades and field work cost more. Your quote is based on your occupation class, age, and health.
What is the elimination period?
The waiting period between the start of a disability and the first benefit payment — like a deductible measured in days. 90 days is the most common choice and balances price and protection; lengthening it to 180 days lowers premiums further.
I am self-employed. Can I get coverage?
Yes. Carriers use your tax returns (usually two years) to document income. Business owners can also add business overhead expense (BOE) coverage to keep the lights on while disabled.
