Disability Insurance – Protect Your Income From the Unexpected
Your Paycheck Is Your Greatest Asset
A long illness or injury can interrupt income longer than most families expect. Disability insurance
(income protection insurance) replaces a portion of your paycheck so you can pay the mortgage, utilities, and groceries. Realegacy Partners helps professionals, self-employed owners, and families evaluate the right level of long-term disability coverage.
From Waiting Periods to Benefit Periods
Most policies replace about 50–60% of gross income after an elimination period (often 90 days), paying until recovery or a set benefit period (e.g., to age 65). Short-term coverage may come from work;
long-term disability is the true financial backstop. We explain how benefits coordinate with PTO, emergency funds, and family cash flow.
Own-Occupation, COLA, and More
We tailor coverage with features like true own-occupation definitions (crucial for specialists), cost-of-living adjustments,
partial disability riders, non-cancelable guarantees, and elimination periods matched to your reserves. The result: a policy that works the way you expect when life goes sideways.
FAQs About Disability Insurance
Straightforward Guidance
How much does it cost?
Often 1–3% of income, depending on age, health, and riders.
What if I’m partially disabled?
Residual/partial riders can replace income for reduced capacity.
Is SSDI enough?
Qualifying is difficult and benefits are limited; private coverage is more reliable.
Can the self-employed qualify?
Yes—expect income verification and tailored underwriting.
If You Rely on a Paycheck, You Need a Plan
Breadwinners, solo entrepreneurs, and professionals all face the same question: how will bills get paid if you can’t work? We review employer LTD, then fill gaps with an individual policy you own—coverage that follows you if you change jobs.