You are far more likely to face a long disability during your career than an early death — yet disability coverage is often an afterthought.
For a physician, executive or business owner, the ability to earn is the engine of the entire plan. Disability coverage protects that engine.
Own-occupation matters
The definition of disability in your policy decides everything. 'Own-occupation' coverage pays if you cannot do your specific work — not just any work.
Group coverage is a start, not a solution
Employer plans are often capped, taxable and tied to the job. Personal coverage fills the gaps and follows you.
Size it to the plan
Coverage should replace enough income to keep savings, education and retirement contributions on track — not just cover the mortgage.
This article is for educational purposes only and is not tax, legal or investment advice. Speak with a licensed professional about your own situation.
