Disability Insurance
Safeguard your income, secure your independence.
Your ability to earn an income is likely your most valuable asset. Disability insurance replaces a portion of your pay if an illness or injury keeps you from working, so your mortgage, groceries and savings goals stay on track while you recover.
I help employees, professionals and the self-employed put the right income protection in place — including coverage that follows you between jobs and isn't limited to what a group plan provides.
What this coverage gives you
Monthly income replacement
Receive a regular, often tax-free benefit to cover everyday living costs while you can't work.
Own-occupation options
Coverage that pays if you can't perform your specific profession — important for specialists.
Portable & personal
A policy you own moves with you between employers, unlike most group coverage.
For the self-employed
Critical if you have no employer sick pay or benefits to fall back on.
Who it's for
- Self-employed and contractors
- Professionals and specialists
- Anyone whose family relies on their income
- Workers with limited or no group coverage
- Commission-based earners
Frequently asked
How much income can I replace?+
Plans typically replace around 60–85% of your income, structured so the benefit is meaningful while keeping you motivated to return to work. The exact amount depends on your earnings and occupation.
I have coverage through work — do I still need this?+
Group coverage is a great start but often ends when you leave the job, may be taxable, and can be capped. A personal policy fills the gaps and stays with you. I'll review your group plan first.
What's the difference between own-occupation and any-occupation?+
Own-occupation pays if you can't do your specific job; any-occupation only pays if you can't do any job. Own-occupation is stronger and matters most for skilled professionals.
Protect your future with a free consultation
No pressure, no obligation — just clear, independent advice tailored to your life. Find out where you stand in a quick conversation.