Disability Insurance pays benefits in the event that the policyholder becomes incapable of working.

You should consider obtaining enough coverage to maintain the present lifestyle your family has. This means taking into account rent or mortgage payments, food, automobiles and other monthly expenses. You should be aware that income from Social Security benefits or employer-related plans most likely would not come close to covering your expenses. Typical disability insurance policies range from 60 to 70 percent of pre-tax income.

Disability is defined as any mental or physical illness or injury which prevents you from performing your regular or customary work (California Unemployment Insurance Code, Section 2626). This includes elective surgery; illness or injury resulting from pregnancy, childbirth, or related conditions; or inability to work due to a written order of quarantine from a state or local health officer.

Income Protection

Salary Continuation