Disability doesn’t always look the way you expect. A back injury, a chronic illness, or even a temporary condition can keep you from working—but it shouldn’t keep you from earning. Individual disability insurance helps replace a portion of your income when you’re unable to work due to a covered medical condition. Whether you’re self-employed, a high-earning professional, or simply someone who relies on your paycheck, this coverage provides financial stability when you need it most.
Frequently Asked Questions
What does individual disability insurance cover?
It typically covers a percentage of your lost income if you’re unable to work due to a qualifying illness or injury. Policies vary but often include both physical and mental health conditions.
How is individual disability insurance different from employer-sponsored plans?
Employer plans often provide limited coverage and may not follow you if you change jobs. Individual policies are portable, customizable, and can offer more comprehensive benefits.
Are benefits from individual disability insurance taxable?
In most cases, if you pay your premiums with after-tax dollars, the benefits you receive are tax-free.
Who should consider this coverage?
Anyone who depends on their income to pay bills, support a family, or run a business should consider it—especially those without employer-provided benefits.
Why it Matters
Losing your income, even temporarily, can quickly derail your financial plans. Rent, groceries, loans, and everyday expenses don’t stop because you’re unable to work. Individual disability insurance acts as a financial safety net, giving you the flexibility to recover on your own timeline without putting your savings, family, or business at risk. It's about having choices—without having to compromise your lifestyle or long-term goals.
Who It's For
This coverage is designed for people who don’t want to leave their income unprotected. If you’re self-employed, your income stops when you do. If you’re a high-income earner, group plans might not cover enough. If you’ve changed jobs or don’t have disability benefits through work, this coverage travels with you. It's also ideal for professionals with student loan debt, entrepreneurs building a business, or anyone who simply wants control over their financial future.
Take Control of Your Income Protection
If your ability to earn supports your lifestyle, your family, or your future—make sure it’s protected. At The Bloch Agency, we’ll help you find the right individual disability insurance plan for your needs, with guidance that’s clear, personal, and focused on what matters most to you.
