Disability Insurance Programs for Businesses

Indemnify against the out-of-pocket medical costs (e.g., Aflac)

Protect family economically against the loss of a breadwinner due to death.

Protect against the cost of caretakers, including home care, when a person can't take care of themselves.

Basic income protection of salary and wages while actively at work for the sponsoring group.

Protect a higher percentage of income, including incentive compensation, with individually owned portable Disability Income policies. aka, Multi-Life Disability Income (MLDI) or IDI.

Basic paycheck protection with no medical questions. Requires at least 2 full time members.

Insure bonus, commission, equity, S-corporation ownership distributions, K-1 earnings and "capped out" compensation to achieve a benchmark benefit (typically 60%).

Cover the office space lease, payroll and other business expenses when a producing owner is not working due to disability.

Keep the business running when a key person goes down due to accident or illness, or dies.

Get up to to 100% income replacement by insuring earnings that go toward retirement.