Protect Your Earning Power Before You Graduate
As you embark on your journey to pursue your MBA, it is crucial to consider the potential risks and uncertainties that may arise in the future. While you may be focused on building your career and achieving financial stability, it is equally important to protect yourself against unforeseen circumstances that could impact your ability to work.
Disability insurance provides a safety net if you become disabled and are unable to work. It offers financial protection by replacing a portion of your income, ensuring that you can meet your financial obligations and maintain your standard of living.
Why MBA Students Need Disability Insurance
Protecting your investment
Pursuing an MBA requires a significant investment of time, money, and effort. Disability insurance safeguards this investment by providing financial support if you are unable to work due to a disability.
Income Replacement
As an MBA graduate, you are likely to have a higher earning potential. Disability insurance ensures that you can continue to receive a portion of your income if you are unable to work, allowing you to maintain your financial stability.
Disability doesn’t just affect people in physically demanding jobs. Accidents and illnesses can happen to anyone. In fact, more than one in four professionals will experience a disability lasting at least 90 days during their working years. Starting your career with income protection in place puts you ahead of the curve—and ahead of the risk.
Our Specialized Program for MBA Students
The Bloch Agency, in partnership with MassMutual, has developed a premium-discounted disability insurance program specifically for MBA students. This plan is designed to provide strong income protection now—with the flexibility to grow with you as your career progresses.
Discounted premiums available during your MBA program
No medical underwriting required
Portable policy that follows you to any future employer
Additional coverage options available after graduation
What Every MBA Needs to Know About Disability Insurance
This short video explains how disability insurance fits into your financial strategy as an MBA student. Learn why it’s critical to protect your earning potential early—and how our exclusive, discounted coverage makes it easy to get started.
What Is Supplemental Disability Insurance?
While many employers offer group long-term disability insurance, these policies often fall short. They typically:
- Cover only a percentage of your base salary, not bonuses or commissions
- Cap benefits at a maximum monthly limit
- Tax your benefits if the employer pays the premium
If you earn $200,000 in base pay and a $50,000 bonus, a typical group plan might insure 60% of your base—$120,000 or $10,000 per month. But once that $10,000 is taxed, you’re left with about $7,000. Your bonus isn’t covered at all.
Let’s break it down:
With a supplemental disability policy you purchased during your MBA, you could add an additional $4,500 in tax-free monthly benefits—bringing your total coverage up to 93% of your actual income. And because the policy is yours, it moves with you from one job to the next.
That leaves you with only 48% of your total income protected.
Invest in Your Career—and Protect It
You’ve worked hard to get here. Don’t let an unexpected disability derail your goals before they even start. Our specialized disability insurance program for MBA students gives you the protection you need now, with the flexibility to grow with your career.
