Disability income protection for professionals, trades workers, and self-employed Americans.
Your ability to earn income is your most valuable asset. Job insurance — disability income protection — replaces a portion of your paycheck when injury or illness prevents you from working. Social Security Disability benefits are difficult to qualify for and may not cover short-term gaps. Employer plans often cap benefits and end when you change jobs.
Typically begins within 0–14 days of disability and pays for 3–6 months. Useful for recovery from surgery, maternity leave beyond FMLA unpaid periods, or moderate injuries.
Starts after STD exhausts (often 90–180 days) and can pay until age 65 or Social Security Normal Retirement Age. Benefit amounts usually range from 50–70% of pre-disability income.
Own-occupation policies pay if you cannot perform your specific job. Any-occupation policies pay only if you cannot work in any reasonable job. Own-occupation definitions cost more but protect specialists like surgeons, dentists, and attorneys.
Primary earners, single-income households, self-employed contractors, and professionals without adequate employer LTD should prioritize private policies while healthy and employed.
Pre-existing condition limitations, mental/nervous disorder caps, and substance abuse exclusions are common. Occupation class ratings affect premiums. Review elimination periods, benefit periods, and cost-of-living adjustments before purchase.
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