Paycheck Protection
Replace a portion of your income if you're unable to work due to illness or injury.
Short-Term Disability
Coverage for temporary disabilities that prevent you from working for weeks or months.
Long-Term Disability
Extended coverage for disabilities that last months, years, or permanently.
For Healthcare Professionals
Specialty coverage for nurses, doctors, surgeons, and other healthcare workers.
Self-Employed Protection
Essential coverage for business owners and freelancers without employer benefits.
Beyond Employer Coverage
Employer disability plans may only replace 40-60% of income and end when you leave the job.
Who Needs Disability Insurance?
If you rely on your paycheck to cover your bills, mortgage, and family expenses, disability insurance deserves serious consideration. It's especially important for:
- Nurses, doctors, surgeons, and healthcare professionals
- Business owners and self-employed professionals
- Teachers and public-sector employees
- Anyone whose employer disability coverage is limited or insufficient
- Single-income households and primary breadwinners
Many people assume their employer's disability plan is enough, but employer-provided coverage typically replaces only 40% to 60% of your pre-tax income — and that coverage often ends if you change jobs. A personal disability policy can help fill that gap and stays with you regardless of employment.