Overview
Your ability to earn income is often your most valuable financial resource, yet it is one of the most commonly overlooked risks. Disability insurance planning focuses on protecting income if illness or injury limits your ability to work. We help evaluate how a loss of income could affect your financial plan and review coverage options that may help reduce that risk. This includes understanding benefit structures, policy features, and how coverage coordinates with employer benefits or other resources. The goal is to support financial stability during periods of uncertainty.
How we approach disability planning
We look at income sources, obligations, and existing protections to understand exposure. Coverage options are reviewed in context so decisions support the broader plan rather than creating unnecessary complexity.
Who this is for
This service is intended for working professionals and households that rely on earned income and want to understand how an interruption to work could affect their financial stability. It is particularly useful for those evaluating employer coverage or considering supplemental protection.
What this helps with
- Protecting earned income
- Evaluating employer-provided coverage
- Understanding benefit limitations and exclusions
- Coordinating coverage with existing plans
- Reducing financial disruption during recovery