What is your most valuable asset? It's not your house, your car, or your retirement account. It's your ability to earn an income. As Carlsbad's income protection specialists, we help you insure your paycheck against the unexpected.
If you're 35 and earning $100,000 a year, your future earning potential is over $3 million. If an illness or injury stops you from working, disability insurance ensures you can still pay your mortgage, buy groceries, and maintain your lifestyle.
Did You Know?
More than 1 in 4 of today's 20-year-olds will become disabled before they retire. And it's not usually from accidents—illnesses like cancer, heart disease, and arthritis are the leading causes of long-term disability.
Types of Income Protection
Short-Term Disability
Replaces a portion of your income for a short period, typically 3-6 months. Often used for recovery from surgery, pregnancy, or minor injuries.
- ✓ Immediate coverage (short waiting period)
- ✓ Covers temporary conditions
- ✓ Supplements state benefits
Long-Term Disability
Crucial protection that kicks in after a waiting period (e.g., 90 days) and can pay benefits for years or even until retirement age.
- ✓ Protects against catastrophic loss
- ✓ "Own Occupation" definitions available
- ✓ Tax-free benefits (if paid personally)
Who Needs Disability Insurance?
Medical Professionals
Doctors, dentists, and nurses whose specialized skills are their livelihood.
Self-Employed
Freelancers and business owners who don't have employer sick leave.
Breadwinners
Anyone whose family relies on their paycheck to pay the bills.
Disability Insurance FAQ
Doesn't California State Disability (SDI) cover me? ▼
SDI provides short-term benefits (up to 52 weeks) and caps the weekly amount. It is NOT a long-term solution for a permanent or extended disability. A private policy bridges the gap and protects your long-term financial health.
Is the benefit taxable? ▼
Generally, if you pay the premiums with after-tax dollars (which is common for individual policies), the benefits you receive are tax-free. If your employer pays the premium, the benefits are usually taxable.
What is the "Elimination Period"? ▼
This is the waiting period before benefits begin—like a deductible measured in time. Common elimination periods are 90 or 180 days. Choosing a longer waiting period can significantly lower your premium.
Trusted Carrier Partners
Protect Your Income
Get a personalized disability insurance quote and secure your financial future.
Get an Income Protection Quote