Your ability to earn an income is your greatest asset. Yet, with nearly 40% of Americans unable to afford an unexpected $400 expense, a sudden medical leave can instantly derail your financial security.
Disability insurance replaces a portion of your income if a medical issue keeps you out of work. Whether you need Short-Term Disability for temporary recovery or Long-Term Disability for extended peace of mind, we customize a plan tailored to your needs.
Income Protection Insurance (also known as Disability Insurance) acts as a financial safety net, providing regular income to cover your living expenses while you recover. We help you navigate the two primary types of coverage:
- Short-Term Disability (STD): Features a brief waiting period (0 to 14 days) and provides benefits for up to two years to cover temporary medical conditions.
- Long-Term Disability (LTD): Features a longer waiting period (several weeks to months) but protects your income for several years, or even the rest of your life, during a major health crisis
Don't wait for an unexpected diagnosis to disrupt your life—protect your paycheck and your loved ones today.
