Disability Income Insurance

health disability

Insurance that replaces a portion of your income (typically 60-70%) if you become unable to work due to illness or injury. Short-term disability covers 3-6 months, while long-term disability can pay until retirement age.

Example

A 40-year-old surgeon with own-occupation disability insurance is diagnosed with a hand condition preventing surgery. The policy pays 65% of their $400,000 income ($260,000/year) while they recover or retrain for a different medical specialty.

Disclaimer: This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Products and services mentioned may not be available in all states. All insurance products are subject to underwriting and policy terms. Consult a licensed professional for advice specific to your situation.