Your paycheck is your biggest asset. Disability insurance replaces a portion of your income if illness or injury keeps you from working.
We set up short-term and long-term disability coverage for individuals and groups, matched to how your income actually works: salary, commission, or self-employed.
A walk-through of what your current coverage would actually pay is a good place to start.
Who this is for
Employers adding a benefit, and individuals or self-employed people who depend on their own income.
What we look at
How long you would wait before benefits begin (the elimination period)
How long benefits last, and what share of your income they replace
How the policy defines disability, including own-occupation versus any-occupation
Whether commissions, bonuses or self-employment income are counted
Questions worth asking at your next review
- If I could not work tomorrow, what would this pay me each month?
- How does my policy define disability?
- What happens to my benefit if I can only work part time?
Not sure of the answers? That is what the conversation is for. Les will walk through your current coverage with you.
