Insurance / Disability Insurance

Many people overlook their most valuable asset when designing a financial plan: their ability to earn income. Assuming no raises, a 40 year old man earning $90,000/yr would lose $2.25 million in wages if he became permanently disabled without any coverage (assuming retirement age of 65). Additionally, most employer-sponsored disability insurance is "short-term disability" and only covers the first 90-days of a disability. Additional coverage is usually voluntary at an additional cost and is derived from base salary only. Individual disability insurance is based on total earned income, is portable, and can be designed around your specific needs. There are a variety of disability policies, our experts will work with you to find the proper policy for you.