Own-Occupation Disability Insurance

for physicians, resident physicians, dentists, attorneys, executives, consultants and other professionals

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disability insurance for a variety of professions

Disability Insurance for Dentists

You’ve made a significant outlay in time and money to attain what you’ve accomplished as a dentist. 

Disability Insurance for Physicians

As a medical professional, you understand the crucial need to protect your income with disability insurance for physicians.

Disability Insurance for Attorneys

It’s a fact that disabling injuries or illnesses can affect anyone at any time, with or without warning. Attorneys are not immune to experiencing career threatening

About us

In 2003, two respected disability insurance veterans, with over 50 years of combined experience in the insurance industry, decided to share that knowledge through the Internet, so they set out to create a full-service disability insurance website, ProtectYourIncome.com.

Whether in our “bricks and mortar” operation or through our website, our primary goal has always been to assist our clients with their insurance planning with integrity, honesty and client focus.

Some of the Companies we Represent

Who Needs Disability Insurance?

There’s no way to predict who will become disabled during their 40 or so working years. Without an income, most people’s savings are rapidly depleted as they struggle to maintain the household and meet expenses. Many begin to suffer real financial need, often with no end in sight as the disability lingers on.

If you’re dependent upon your income to maintain your standard of living, and your income would decrease or cease to exist if you were to become disabled, you need disability insurance. The time to purchase a policy is now – costs increase as you get older, and if your health declines in the future, it may become too late to insure you.

We’ve helped hundreds of people with their disability insurance needs – and have saved them time and money in the process. You can review disability insurance quotes from the top insurance companies in the comfort of your own home or workplace without any sales pressure.

We make it simple to compare disability insurance quotes for most occupations, so don’t wait another day to start on the road to protecting yourself and your family with disability insurance – fill out our Disability Quote Request form today.

Recent blog posts

Disability Insurance Policy Provisions

Disability Insurance Policy Provisions

Disability Policy Features A good disability policy will typically contain the following provisions, either built into the body of the policy or added as rider. When comparing policies from different companies, review the wording of these provisions, as they all do...

Top Ten Reasons to Get Disability Insurance

Top Ten Reasons to Get Disability Insurance If you save 10 percent of your income each year, going one year without an income due to disability would eliminate 10 years of savings. Without an income, you don’t pay your bills and you can lose everything. Income when...

Probability

Probability of Disability versus Death A disability’s financial implications can be even more disastrous than that of a premature death. Death is certain to occur at some point, while disability may never occur. However, for most people death occurs after the income...

FAQ

How much will coverage cost?

You should expect to pay between 1-4 percent of your annual income. These percentages are a rough estimate, based on selection of certain benefits and options. Our representatives will assist you in purchasing the coverage that fits both your needs and your budget.

How much benefit should I have?

You should have enough coverage to maintain your current lifestyle until you are able to return to work, factoring in all other sources of income (group disability policy, investments, etc.).

What options should I choose?

Each company will offer different riders, but most have the following options we typically recommend:

  • Residual disability provision: Under a residual disability provision (either in the policy or available by rider), an insured receives a percentage of his or her disability benefit based on the percentage of income loss the sickness or injury has caused.
  • Inflation protection: Individual disability income policies generally offer a cost of living rider that will adjust benefits for inflation during a long-term claim.
  • Future increase option: As long as your increased income qualifies for more coverage under the company’s issue limits, the future increase option guarantees your right to purchase additional coverage up to a stated age without evidence of
    insurability.
When should I purchase disability insurance?

As soon as you can. There are several reasons not to “put it off until later.” The most obvious reason is the cost of coverage will increase as you get older. If you are earning an income, you need to protect it now. Also, if you are currently in good health, you should have no difficulty qualifying for a policy. However, if your health declines or if you experience a disability, you may no longer be insurable (if you are still insurable, it will certainly be at a higher premium).

How much benefit can I have?

Most insurance companies will cover up to 50-60% of your income. All companies have a maximum amount they will cover.

Why do I have to provide proof of income?

Just as financial institutions require income verification for mortgages, loans, etc., income verification in the form of tax returns, W2’s and/or pay stubs is needed for disability insurance. After all, the insurance company is accepting a potentially large financial risk.