Protect your most valuable asset - your ability to earn income. Disability insurance replaces lost wages when illness or injury prevents you from working.
Most people insure their homes, cars, and belongings, but fail to protect their most valuable asset - their ability to earn income. Disability insurance provides crucial financial protection when illness or injury prevents you from working.
Statistics show that one in four workers will become disabled before retirement age. In California's expensive economy, losing your income due to disability can quickly lead to financial hardship. Disability insurance ensures you can continue to pay your bills, support your family, and maintain your lifestyle even when you can't work.
California offers some of the most comprehensive disability insurance options in the country, including state disability insurance (SDI) and private supplemental coverage. Our agents help you understand your existing coverage and identify gaps that need to be filled with additional protection.
Disability insurance covers both physical and mental health conditions that prevent you from working, including injuries, illnesses, pregnancy complications, mental health conditions, and chronic diseases. Coverage extends beyond workplace injuries to include conditions that occur outside of work.
Choose the right coverage for your situation
Provides income replacement for temporary disabilities lasting weeks to months. Typically covers 60-70% of your income for up to 2 years.
Provides income replacement for extended disabilities lasting years or until retirement. Essential protection for serious injuries or chronic conditions.
Understanding the key components of disability insurance
Typically 60-80% of your pre-disability income, with maximum monthly limits based on your occupation and income level
The waiting period before benefits begin, ranging from 30 days to 2 years. Longer periods mean lower premiums
How long benefits are paid, from 2 years to age 65. Longer periods provide more comprehensive protection
Pays benefits if you can't perform your specific job, even if you could work in another occupation
Increases benefits annually to keep pace with inflation during long-term disabilities
Partial benefits if you can work part-time or at reduced capacity due to your disability
Understanding your existing coverage and its limitations
California SDI only covers short-term disabilities. For long-term protection and higher benefit amounts, supplemental private disability insurance is essential.
Almost everyone who depends on their income
Doctors, lawyers, executives, and other professionals with specialized skills and high incomes that exceed SDI caps
Business owners and freelancers who don't qualify for California SDI and have no employer-provided coverage
Anyone whose family depends on their income for mortgage payments, living expenses, and financial goals
Don't risk your family's financial security. Get disability insurance and ensure your income is protected against illness and injury.