Disability Insurance
Disability Insurance: Protect Your Income, Secure Your Future
Your ability to earn an income is one of your most valuable assets. Disability Insurance provides a financial safety net if an illness or injury prevents you from working — ensuring you can maintain your lifestyle and meet your financial obligations during recovery.
What is Disability Insurance?
Disability insurance replaces a portion of your income if you become temporarily or permanently disabled and are unable to work. It helps cover daily living expenses like mortgage payments, utility bills, groceries, and medical costs — so you can focus on getting better, not just getting by.
Who Needs Disability Insurance?
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Working professionals and business owners
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Self-employed individuals and freelancers
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Primary breadwinners in a household
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Employers seeking to offer competitive employee benefits
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High-risk occupation workers (e.g., construction, healthcare, logistics)
Why Choose Disability Insurance?
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Replaces up to 60–70% of your income
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Provides financial stability during recovery
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Helps maintain long-term savings and retirement plans
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Offers peace of mind for you and your family
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Enhances employee benefits packages for businesses
Types of Disability Insurance
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Short-Term Disability Insurance
Provides coverage for a limited period (typically 3–6 months) after an injury or illness. -
Long-Term Disability Insurance
Offers income replacement for extended periods (several years or until retirement) depending on the policy. -
Group Disability Insurance
Employer-sponsored plans that offer employees coverage at group rates.
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