Why It Matters
Replaces 50–70% of your income if you're unable to work due to injury or illness. Keeps your bills paid and family secure.
Continue paying mortgage, car payments, utilities, and other living expenses even when you can't work.
Choose short-term coverage for temporary disabilities or long-term for extended illnesses and injuries.
Coverage for back injuries, cancer, heart conditions, mental health issues, accidents, and more.
Get benefits even if you can work in another occupation. Protects your specific career and income level.
Most employer plans only cover 40–60% of income. Individual policies fill the gap for full protection.
How It Works
Meet with Alek Mires to review your income, occupation class, and any coverage you already have through work.
We'll compare benefit amounts, elimination periods, and own-occupation definitions across top disability carriers.
Complete a simple application with income verification. Many policies issue without a medical exam.
Once approved, your income is insured — so an injury or illness doesn't become a financial free-fall.
Coverage Details
Questions
Group plans typically replace only 40–60% of base pay, are taxable when the employer pays the premium, and end the day you leave the job. An individual policy is portable and fills the gap.
It's the waiting period between the start of your disability and your first benefit check — commonly 30, 60, or 90 days. A longer elimination period lowers your premium.
Own-occupation coverage pays benefits if you can't perform the duties of your specific job, even if you could work in another field. Any-occupation policies are cheaper but far more restrictive.
If you pay the premiums with after-tax dollars, benefits are generally received tax-free. If your employer pays, benefits are usually taxable income.
Both. In fact, most long-term disability claims come from illnesses such as cancer, heart disease, and musculoskeletal conditions rather than accidents.
Yes, and it's especially important — there's no employer safety net. Carriers will verify income with tax returns to set the benefit amount.
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