Your ability to earn a living is likely your most valuable asset and the one most people forget to protect. Disability insurance replaces part of your income if an illness or injury keeps you from working, helping you hold your life steady through a hard stretch. We help individuals and professionals find coverage that reflects their income, occupation, and long-term goals.
It’s also worth a closer look if you’re counting on the group long-term disability plan through your employer. Those plans often replace less of your income than you’d expect — typically capping benefits at a percentage of base salary, leaving bonuses and other compensation uncovered, and taxing the benefit if your employer pays the premium. A personal policy can supplement that group coverage with a higher effective benefit, more favorable provisions, and protection you own and keep even if you change jobs. We’ll help you see where your current coverage really stands and whether it’s leaving more exposed than you realized.
When an injury, illness, or surgery keeps you out of work for a stretch, the bills don’t wait for you to recover. Short-term disability replaces a portion of your income during those first weeks or months out – typically picking up quickly after a brief waiting period and bridging the gap until you’re back on your feet or longer-term coverage begins. It’s a practical safety net for the kind of setback that’s temporary but still costly.
Your ability to earn a living is likely your most valuable asset -and a serious illness or injury can put it on hold far longer than most people are prepared for. Long-term disability replaces part of your income when you’re unable to work for an extended period, helping you keep your life steady through months or even years of recovery. We’ll help you find coverage that reflects your income and protects the future you’re working toward.
For executives and employees whose compensation includes restricted stock units, traditional disability policies often ignore a major slice of your income. RSU disability coverage is designed to account for equity-based earnings, protecting the full value of what you actually make – not just base salary. We’ll help you structure coverage that reflects your real compensation picture.
Standard group and individual policies typically cap out well below what high earners actually need, leaving a meaningful gap in income protection. High-limit disability coverage layers additional benefit on top of your existing policy, closing that gap so more of your income is genuinely protected. For physicians, executives, and other top earners, it’s often the missing piece.
Athletes carry a level of income risk few other professionals face, with careers and earnings that can hinge on a single injury. Sports market disability coverage, placed through specialty markets like Lloyd’s, is built specifically for that world, protecting an athlete’s earning potential in ways standard policies simply can’t. We’ll help navigate these specialized markets to structure the right protection.
Your compensation reflects years of work, but the disability coverage available through most employers wasn’t built for earners at your level. Executive high-limit disability supplements group and individual policies with substantial additional benefit, ensuring a disabling injury or illness doesn’t quietly upend the lifestyle you’ve built. We’ll help you protect income that standard plans leave exposed.
For a promising college athlete, the path to a professional career carries real financial risk, and an injury can change everything in an instant. College disability coverage protects that future earning potential, providing a benefit if a covered injury or illness ends the possibility of turning pro. It’s a way to safeguard years of hard work against the unexpected.
Name, Image, and Likeness deals have turned athletic talent into real, present-day income – income that deserves protection. NIL earnings-focused disability coverage is designed around these earnings, providing a benefit if a disabling injury or illness disrupts an athlete’s ability to perform and earn. We’ll help structure coverage that keeps pace with this fast-evolving space.
For a ranked draft prospect, projected earnings represent enormous value that hasn’t been realized yet, and a serious injury before signing could put it all at risk. Draft prospect disability coverage protects that anticipated value, providing a benefit if a covered injury or illness causes a fall in draft position or ends a career before it begins. We’ll navigate the specialty markets to protect what’s ahead.
A professional athlete’s body is their livelihood, and a career-ending injury can erase millions in future earnings in a single moment. Professional athlete disability coverage, structured through specialty markets, protects that earning power with benefits built for the realities of the game. We’ll help design protection that matches the scale of what’s at stake.
Every business has people it can’t afford to be without , and a disabling injury or illness can sideline them just as surely as any other loss. Key person disability coverage pays a benefit directly to the business if an essential owner or employee becomes disabled, giving you room to stabilize operations and manage the transition. It’s a practical safeguard against a very personal kind of risk.
A buy-sell agreement needs to account for more than an owner’s death, disability can just as easily force a difficult transition. Disability buy-out coverage provides the funds to purchase a disabled owner’s share, allowing for a clean, fair exit without straining the business’s cash flow. We’ll help structure coverage that aligns with your agreement and keeps ownership transitions smooth.
If a disabling injury or illness kept you from working, your business’s fixed costs – rent, payroll, and loan payments – wouldn’t stop. Business overhead expense coverage reimburses those operating expenses while you’re disabled, keeping the doors open until you’re able to return. For owners whose presence drives the business, it’s the difference between pausing and closing.