Personal Insurance

Disability Insurance

Your most valuable asset is your ability to earn a living. What happens if an accident or illness leaves you unable to work in the specific occupation for which you’ve been trained? How long would your current savings last? Income protection is the cornerstone of any financial plan, and disability insurance provides that protection. Without your income all other financial goals and dreams are in jeopardy. We can help you find disability insurance that is right for your needs.

The Odds May Surprise You*

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Almost one in four of today’s 20 year olds can expect to be out of work at least a year because of a disabling condition before they reach normal retirement age.

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In a large study, 44.3% of debtors who filed bankruptcy specifically cited medically-related work loss as a contributor to their bankruptcy.

The most common reasons for long-term disability claims are:

  • 25% Musculoskeletal disorders
  • 13% Injuries such as fractures, sprains, and strains of muscles and ligaments
  • 12% Cancer
  • 10% Mental health issues
  • 8% Circulatory (heart attack, stroke)

* https://disabilitycanhappen.org

Surgeons, Physicians, and Dentists

You have invested more into building your skills and talents than most other professionals. That is why working with a specialized disability protection consultant is critical to your long-term success. The contractual language of the disability policy is crucial to providing you the proper protections, and many policies simply fall short of your unique needs. We understand which insurers and products provide the most protective provisions for your income.

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