STD insurance typically replaces a portion of your income for a limited period. Your employer might offer this coverage, or it can be purchased individually.
LTD insurance kicks in after your STD benefits run out and can, depending on the policy, provide income replacement for several years or even until retirement age.
Ensures you receive benefits if you are unable to perform your specific job or occupation, even if you can work in a different role.
Provides benefits if you are unable to perform any occupation for which you are reasonably qualified by education, training, or experience, offering broader protection.
This covers a portion of your income if you are able to work part-time or in a reduced capacity due to disability, helping to bridge the gap between full and partial income.
Ensures that you receive a percentage of your pre-disability income, helping to cover your living expenses and maintain your standard of living.
Offers optional riders such as cost-of-living adjustments (COLA) and residual disability benefits, enhancing your policy’s flexibility and coverage.
Start Your Journey to Financial Security Today Click below for your personalized quote and learn how to safeguard your future, no matter what comes your way.
Key Drivers of 2025 Healthcare Cost Increases Healthcare costs are climbing at an alarming rate, outpacing inflation and wage growth. According to PwC’s Health Research Institute, healthcare spending is projected to grow at a 7% annual rate by 2025—a figure that places significant financial pressure on individuals, employers, and the healthcare system as a whole. […]
How AI is Shaping the Future of Workplace Mental Health Not long ago, addressing workplace stress, anxiety, or burnout often meant furtive calls from secluded offices or the apprehension of being stigmatized for seeking help. Fast forward to today, and the narrative is changing. Businesses are placing employee well-being front and center, and a significant […]
When it comes to auto insurance, most people assume their personal policy will cover them in every situation. However, for individuals or businesses that rely on vehicles not personally owned—such as company cars or rental vehicles—this assumption could lead to costly gaps in coverage. That’s where Drive Other Car (DOC) Coverage comes into play. DOC coverage […]
Errors and Omissions (E&O) insurance is often associated with protecting against design-related errors, but it goes far beyond that for builders. Subcontractors bring specialized expertise to construction projects, from electrical wiring and plumbing to HVAC installations and interior finishes. While this division of labor boosts efficiency and quality, it also introduces potential liability for errors […]
Horses are a significant financial and emotional investment, and the costs associated with their care, training, and competition can be substantial. However, the risks involved in the equestrian world are equally significant. Injuries, illnesses, accidents, and even theft can result in devastating losses. Equine insurance provides a safety net, protecting you against these risks. For […]