What Happens If You Can't Work?
Here's What Most People Get Wrong.
Life insurance protects your family after something happens. But what about while something is happening? If you get seriously ill or injured and can't work for 6 months, your paycheck stops. Your mortgage doesn't.
Disability Insurance
"Replaces Your Income If You Can't Work"
What It Covers
If an injury, illness, or accident prevents you from working, disability insurance replaces a portion of your income (typically 50-70%) while you recover.
Two Critical Definitions (This Matters for Claims)
Own Occupation: You're covered if you can't do your specific job.
Example: A surgeon with a tremor can't operate. Even if they could work as a consultant, they get paid because they can't do surgery. The Gold Standard — Harder to get, easier to claim.
Any Occupation: You're covered only if you can't do any job you're reasonably suited for.
Example: Same surgeon. They CAN work as a consultant, so they're not "disabled" under any occupation. No payment. The Standard — Easier to get, harder to claim.
Example Scenario
Marcus, age 38, senior accountant: Earns $95K/year. He buys individual disability insurance: 60% income replacement, 60-day waiting period, to age 65. Premium: ~$85/month. At age 42, he herniated a disc. Can't work for 5 months. Disability kicks in after 60 days, paying him $4,750/month ($57K/year) for the remaining 3 months. His mortgage got paid. His family stayed stable.
Critical Illness Insurance
"One Diagnosis. One Big Payment. So You Can Focus on Healing, Not Paying Bills."
What It Covers
A lump-sum payout (usually $50K-$500K) upon diagnosis of a serious illness:
The 30-Day Survival Period
You must survive 30 days after diagnosis to claim the benefit. If you die on day 29, the policy typically pays nothing (unless you added a Return of Premium rider). This benefit is for people recovering, not for death claims.
Example Scenario
Lisa, age 42, small business owner: Gets critical illness coverage with $250K benefit. Premium: $55/month. At age 48, diagnosed with breast cancer. 30-day survival period passes → claim approved → $250K arrives. She pays her staff (her business stays alive), covers treatment not on insurance, hires a manager while she focuses on chemo and recovery.
Health/Accident Insurance
"Filling the Gaps When Life Throws You a Curveball"
What It Typically Covers
The Integration Strategy (How These Work Together)
Here's the reality: These three protections work differently, and they work together.
Life Insurance
If you die → family is protected.
Disability Insurance
If you can't work for 6+ months → income is replaced.
Critical Illness
If you get diagnosed with something serious → lump sum helps you recover.
Health Insurance
Ongoing prescriptions, dental, paramedical → you stay functional during recovery.
Protect Your Paycheck Before You Need It
Most people wait until they're sick to think about disability. We help you plan before that.