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Life & Health

Protecting your income if you can’t work.

Your ability to earn an income is likely your most valuable financial asset. Individual disability insurance protects it if illness or injury gets in the way.

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The Basics

How individual disability insurance works.

Individual disability insurance replaces a portion of your income if you become unable to work due to a covered illness or injury, independent of any employer-provided coverage.

It’s particularly important for self-employed individuals and business owners who don’t have access to group disability coverage through an employer.

  • Replaces income if illness or injury prevents you from working
  • Coverage independent of any employer-provided benefits
  • Especially valuable for self-employed and business owners
  • Policy stays with you even if you change jobs

Good Fit For

  • • Self-employed professionals
  • • Business owners
  • • Those without employer disability coverage
  • • High earners wanting extra protection
What’s Included

Core elements of individual disability coverage

Income Replacement

A monthly benefit replacing a portion of your income during a covered disability.

Own-Occupation Definition

Policies that pay if you can’t perform your specific occupation, not just any job.

Elimination Period

The waiting period before benefits begin, which affects your premium.

Benefit Period

How long benefits will be paid, from a few years up to retirement age.

Portability

Coverage that stays with you regardless of employer changes.

Future Increase Options

Riders allowing you to increase coverage later without new medical underwriting.

Common Questions

Disability Insurance FAQs

Isn’t Social Security disability enough?
Social Security disability has strict qualification requirements and often replaces only a small portion of income. Individual coverage fills that gap.
How much of my income can I insure?
Most carriers cap coverage at 60 to 70 percent of gross income, since some incentive to return to work is generally required.
Do I still need this if I have coverage through work?
Employer disability coverage often has lower benefit caps or ends if you leave the job. Individual coverage can supplement or replace it.

Let’s talk about your disability insurance coverage.

Belgrade-based advisors who know Montana risk, ready to help.

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