Disability Insurance That Protects Your Income
Disability insurance is one of the most important forms of financial protection—and yet, it’s often misunderstood or overlooked. If an injury or illness prevents you from working, this coverage helps replace a portion of your income so you can continue paying your bills, supporting your family, and focusing on recovery. We work with individuals and self-employed professionals across Southern Illinois to find short-term and long-term disability plans that match their income, lifestyle, and risk factors. Whether you need standalone coverage or want to supplement an employer-provided policy, we’ll help you understand your options and choose a plan that works when life doesn’t go as planned.
Why Disability Insurance Is Important
Disability insurance typically pays a monthly benefit if you’re unable to work due to a covered medical condition, whether from an accident, surgery, or long-term illness. Short-term policies usually cover a few months, while long-term plans may pay for several years or until retirement, depending on the benefit period. We explain key terms like elimination periods, benefit amounts, own-occupation vs. any-occupation definitions, and optional riders that can enhance your policy. You’ll get clear guidance on how to choose the right coverage for your income level, occupation, and personal goals—so you’re not left financially vulnerable if something unexpected happens.
How Disability Insurance Works
Disability insurance typically pays a portion of your income for a set period of time. There are short-term and long-term policies, with coverage varying depending on the severity of the disability and your plan.
Types of Disability Insurance Coverage
Short-Term Disability
Covers a portion of your income for a limited time, typically 3-6 months, for temporary disabilities like a surgery recovery.
Long-Term Disability
Provides income replacement for an extended period, often until you’re able to return to work or retire, for more serious and long-lasting conditions.
Own-Occupation Coverage
Pays benefits if you’re unable to work in your specific occupation, even if you can work in another field.
Disability Insurance FAQs
Do I need disability insurance if I have paid sick leave?
While paid sick leave can help in the short term, it typically doesn’t last long enough to replace income for extended periods. Disability insurance offers longer-term support.
How much coverage do I need?
We typically recommend 60-70% of your pre-disability income to cover essential expenses. We’ll help you determine the right amount based on your needs.
Can I get disability insurance if I already have a pre-existing condition?
It depends on the condition and the insurer. We can help you understand options for coverage if you have pre-existing health conditions.
Does disability insurance cover injuries from a car accident?
Yes, if the injury prevents you from working. We’ll ensure the policy you choose covers both work and non-work-related injuries.