Disability Insurance

Your paycheck is your most valuable asset. Disability insurance replaces a portion of your income if illness or injury keeps you from working. We compare short-term and long-term policies and explain what’s covered, what’s excluded, and the elimination periods.

What’s covered

• Short-term disability
• Long-term disability
• Individual policies
• Group / employer plans
• Business overhead expense (for owners)

How we work with you

We start by adding up your essential monthly expenses — mortgage, utilities, groceries, insurance premiums, savings — then look at how long your emergency fund and sick leave would carry you. The gap is what disability insurance should cover. We also explain “own occupation” vs “any occupation” definitions, since those massively change what triggers a payout.