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Key pointers
Young Adults
Don’t ever allow accident or disabilities to interrupt your earned income CASH flow. (Protect your earnings* with an individual disability product that I will design for you.)
If you have a government job, purchase a mini-policy that will wrap around your workplace coverage. If or when you ever make an exit into the private sector, this policy can be expanded. Without further underwriting, you will be equipped to begin the guaranteed coverage you will want to have in your new position.
Career Years
Keep your disability income program current – regularly monitor your disability income protection.
Net out any group LTD. Then adjust your program. One of our guaranteed products can cover up to 92% of your earned income.
Compare premium costs to other options:
Group LTD: Claims are taxed. So, you’ll typically end up with 40% or less of your income when you need it most! Another negative: these products rarely cover bonuses or commissions.
Federal government disability: the 2025 average monthly benefit for this social security product is an astonishing: $1,500 per month.
Later years
If you are still working, continue to monitor your disability income protection.