Disability Income Protection

Disability Income Insurance protects your most valuable asset, your ability to earn an income. Have you thought about what would happen if your income were interrupted? A long-term disability could suspend or terminate your income for an extended period of time. It could force you to close your business.

What plan do you have in place to protect your financial future if you were sick or hurt, and could no longer work?

How disability income insurance can make a difference

View stories that explain the impact of disability, and how having disability income insurance helped in some difficult and potentially devastating situations.

We offer a breadth of disability income insurance products covering total or partial disability of professionals, business executives, small business owners and individuals to provide a source of income in the event of a disability:

Individual Disability Insurance
Purchased by an individual to protect his or her ability to earn an income.

Group Disability Insurance
Purchased by an employer to protect employees against the loss of income due to a disability.

Individual Disability Insurance
For many people, the ability to earn an income is their most valuable asset. Losing that ability would have a devastating effect on them and their families. For many families it would be impossible to continue the lifestyle to which they've become accustomed.

A death or disability in a family could seriously hinder the financial future of a spouse and children, if precautions were not put in place. Creating a safety net for emergencies and tragedies can make a world of difference for a family facing the unexpected.

Protect Your Business

For the small business owner, when you're disabled and your income is drastically reduced or stopped, you still have to face your continuing overhead expenses—rent, bills, salaries, and more. In order for your practice or business to stay open, you must continue to pay for these ongoing expenses. Should a key employee become disabled, you may experience a loss in profits or have an additional cost associated with finding a replacement. If a total disability gradually forces one of the owners to stop working a disability buy-out agreement could reimburse the buyers of a business for the cost of purchasing the disabled Insured's interest in the business.

Disability Insurance
Disability Income insurance replaces a portion of earned income lost due to a total or partial disability.

Interim Term Disability Insurance
Interim Term Disability Insurance provides temporary coverage until an employee qualifies for employer-sponsored disability coverage.

Disability Overhead Expense
Disability Overhead Expense reimburses a business owner for covered overhead expenses of his or her business that continue during a period of partial or total disability.

Key-Person Protection
Key-Person Disability coverage provides a benefit to the business in the event the key employee is disabled.

Disability Buy-Out Coverage
Disability Buy-Out Coverage helps fund a disability buy-out agreement with installment or lump-sum payments.

Group Disability Insurance
In today’s competitive environment, one of your most important assets is your employees. They are an integral part of your success so you want to make sure their incomes are adequately insured in the event of a disability, yet you also want to provide them with an incentive to return to work.

You don’t have to be a Fortune 500 company to insure the incomes of your employees. You, as a small business owner, are important to us, and your employees can benefit from having their incomes insured no matter how many there are.

Small Group Long Term Disability Insurance
Small Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with three to nine employees.

Small Group Short Term Disability Insurance
Small Group Short Term Disability Insurance provides weekly benefits for disabilities up to 26 weeks and is available to employers with three to nine employees.

Large Group Long Term Disability Insurance
Large Group Long Term Disability Insurance provides monthly benefits for disabilities lasting longer than 13 or 26 weeks and is available to employers with ten or more employees.

Large Group Short Term Disability Insurance
Large Group Short Term Disability Insurance provides weekly benefits for disabilities up to 26 weeks and is available to employers with ten or more employees.