We offer a full array of disability insurance products to protect you and your family.

Disability insurance is designed to pay you when you are unable to work at your occupation. The term “occupation” is important in disability insurance because although you may be able to work at some job, a disability can prevent you from working at the occupation that you are trained in and for which you have developed special skills.

For example, a doctor or an architect has received special education and trained many years to reach their current level of income. It would be unacceptable for them to work at a fast food restaurant even though they may be able to do it with a disability that prevents them from performing as a doctor or an architect. Better disability policies usually define a person as disabled when they are unable to perform in their own occupation. 

An applicant or insured can usually select a waiting period of 30, 60, 90, 180 days or longer before disability payments will begin. A longer waiting period generally lowers the cost of the disability policy.

An insured may also select a benefit period. This is the length of time that a monthly payment will be made while the insured is disabled.  The minimum benefit period is usually 2 years. Benefit periods can range from 2 years to a lifetime benefit.

The insured also has the option to purchase a residual or partial disability benefit known as a Residual Benefit. This provides income to the insured even if he or she is only partially disabled or his or her income has only been partially reduced due to the disability or injury.

Some policies provide a benefit which will pay for the rehabilitation of the individual if the illness or injury has caused them a disability. For example, a person that has suffered a stroke may need therapy to learn to speak again. A Rehabilitation Benefit would pay for this therapy.

Most disability policies offer a cost of living option. This provides for an increase in the monthly income payment that correlates with the cost of living.

You have special abilities and job skills. No matter what your occupation or profession your ability to earn income is what provides for your family, your housing and your retirement. How much income do you need every month? It is often overlooked, but the most valuable asset that you have is your ability to earn income.

• How much income protection is provided by the State of California?
• How much income is provided by social security if you are disabled?
• Does your company provide group disability insurance or income protection?
• How long can you go without a monthly paycheck?