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Disability Income Insurance
Your ability to earn an income is one of your most valuable assets. Disability insurance replaces a portion of that income if illness or injury keeps you from working.
Short term vs. long term
Short-term policies cover a few months of recovery. Long-term policies can pay benefits for years and are the more important piece for most working adults.
Definitions matter
Pay close attention to how the policy defines disability — 'own occupation' coverage pays if you cannot perform your specific job, which is much stronger than 'any occupation.'
Have questions about this coverage?
Chaz Toomey is here to walk you through your options — no pressure, just clear guidance.