Disability policies pay benefits in the event you become incapable of working. I highly recommend that my self-employed clients own some type of disability insurance. And if you have an employer, l urge you to learn whether or not you have disability insurance ... including what and when that policy pays out.

Why?

Think about your expenses: Mortgage/rent, car payments, insurance payments, utilities, childcare costs, food, etc.

How long would you be able to support your monthly bills without a paycheck?

The truth is, many people have unrealistic expectations of how much money they will need to cover their expenses each month in the event they are unable to work. That is completely normal, and I offer you help in determining the right fit.

Terms we will cover to pick what is right for you: elimination period, benefit period, monthly indemnity, etc.