Disability Insurance
What happens if you’re unable to work due to a disabling injury or a prolonged illness? How long do you think you could maintain your current lifestyle without earning an income?
1 out of every 4 workers will become disabled during their working years
1:4
1 out of every 8 workers will experience a long-term disability that lasts longer than five years
1:8
34.6 months is the average duration of a long-term disability claim
34.6
90% of long-term disabilities are caused by illnesses
90%
True Own Occupation
True Own Occupation Definition of Total Disability provides you the ability to receive your full disability benefits, even if you’re gainfully employed in another occupation or capacity with no reduction in benefits. So, if you have the energy, interest and motivation to pursue another occupation while totally disabled in your occupation, True Own Occupation definition supports you in doing so.
Specialty True Own Occupation
Physicians can access industry-leading disability protection with Specialty True Own Occupation coverage, allowing them to continue working — even in their own practice — while still receiving full benefits if totally disabled. This coverage uses a clear and flexible qualification formula, offering multiple paths to benefits based on income source, medical specialty, and essential job duties.
Business Disability Policies
Offering Group Short-term and Long-term Disability Insurance is an effective way to retain valued employees while helping them maintain financial stability during unexpected life events. Additionally, Overhead Expense Disability coverage ensures your business can continue operating smoothly if you are unable to work, providing a stronger foundation that supports both your employees and your long-term business success.
