Protect your income with clear options for short‑ and long‑term needs.
Disability insurance replaces income when illness or injury prevents you from working.
We help evaluate employer benefits, California SDI, and private policies to build sensible protection for your budget and obligations.
Coverage options and waiting periods are explained clearly so you can choose what fits your risk and resources.
Disability insurance covers both physical and mental health conditions that prevent you from working, including injuries, illnesses, pregnancy complications, mental health conditions, and chronic diseases. Coverage extends beyond workplace injuries to include conditions that occur outside of work.
Choose the right coverage for your situation
Provides income replacement for temporary disabilities lasting weeks to months. Typically covers 60-70% of your income for up to 2 years.
Provides income replacement for extended disabilities lasting years or until retirement. Essential protection for serious injuries or chronic conditions.
Understanding the key components of disability insurance
Typically 60-80% of your pre-disability income, with maximum monthly limits based on your occupation and income level
The waiting period before benefits begin, ranging from 30 days to 2 years. Longer periods mean lower premiums
How long benefits are paid, from 2 years to age 65. Longer periods provide more comprehensive protection
Pays benefits if you can't perform your specific job, even if you could work in another occupation
Increases benefits annually to keep pace with inflation during long-term disabilities
Partial benefits if you can work part-time or at reduced capacity due to your disability
Understanding your existing coverage and its limitations
California SDI only covers short-term disabilities. For long-term protection and higher benefit amounts, supplemental private disability insurance is essential.
Almost everyone who depends on their income
Doctors, lawyers, executives, and other professionals with specialized skills and high incomes that exceed SDI caps
Business owners and freelancers who don't qualify for California SDI and have no employer-provided coverage
Anyone whose family depends on their income for mortgage payments, living expenses, and financial goals
Don't risk your family's financial security. Get disability insurance and ensure your income is protected against illness and injury.