Your income is
your most valuable asset.
If an illness or injury kept you from working tomorrow, would your paycheck still show up? Disability insurance makes sure the answer is yes.
Most people insure their car.
Few insure their paycheck.
You likely have insurance on your home, your car, even your phone. But the asset that pays for all of it, your ability to earn an income, often goes unprotected.
Employer Coverage Falls Short
Many group disability plans only replace 50–60% of income, are taxable, and disappear the moment you change jobs.
Disabilities Come From Illness
Most long-term disability claims aren't from dramatic accidents — they're from back injuries, cancer, heart conditions, and other illnesses.
What Savings Alone Cover
A few months of expenses in savings won't stretch through a disability that lasts a year, five years, or longer.
Two kinds of protection, built for different situations.
The right mix depends on your job, your employer benefits, and how much of a gap needs to be filled.
Short-Term Disability
Covers a portion of your income for weeks to a few months, bridging the gap right after an injury or illness begins.
- Typical benefit period: 3–6 months
- Often complements sick leave
- Good fit for recovery from surgery or childbirth
Long-Term Disability
Replaces a portion of your income for years, or until retirement age, if a disability keeps you from working long-term.
- Typical benefit period: 2 years to retirement age
- Individual policies stay with you between jobs
- Can supplement or replace employer coverage
If you rely on a paycheck, this is for you.
Income protection isn't just for one kind of worker — it's for anyone whose household depends on their ability to keep working.
Educators
CalSTRS members often have limited disability provisions — an individual policy can fill that gap.
Business Owners
No employer safety net means your income stops the moment you're unable to work, unless you've planned ahead.
Household Earners
If your income covers the mortgage, childcare, or daily expenses, protecting it protects your whole household.
Physically Demanding Jobs
Careers with higher injury risk benefit most from coverage that doesn't disappear if you change employers.
A simple process, start to finish.
We Look At What You Already Have
We start by reviewing any existing employer disability benefits so we know exactly where the gaps are, if any.
We Find The Right Fit
As an independent broker, I compare options across multiple carriers to find coverage that matches your income, occupation, and budget.
You Stay Covered, No Matter What
Once your policy is in place, it stays with you, independent of your employer, so a job change never leaves you exposed.
& client-first
Honest guidance,
not a sales pitch.
I'm an independent licensed insurance broker serving educators, families, and professionals across Los Angeles. When we talk about disability insurance, we start with your actual risk and your actual budget, not a one-size-fits-all policy.
"The best policy is the one that's actually there when you need it, not the cheapest one on paper."
No pressure. No jargon. Just a clear picture of what you have, what you're missing, and what it would cost to close the gap.
Read My Full StoryDisability insurance, explained simply.
Isn't this the same as workers' compensation?
No. Workers' comp only covers injuries that happen on the job. Disability insurance covers illnesses and injuries that happen anywhere, on or off the clock.
I already have coverage through my employer. Do I need more?
Possibly. Many group plans replace only a portion of income, are taxable, and end if you leave your employer. We can review your existing benefits to see if there's a gap worth filling.
How much does an individual policy typically cost?
It varies based on age, occupation, health, and the benefit amount you choose. Part of our conversation is finding coverage that fits comfortably into your budget.
What counts as a qualifying disability?
This depends on the policy's definition of disability, which is one of the most important details we review together before you choose a plan.
Let's find out
where your gap is.
15 minutes. No cost. No obligation. We'll look at what coverage you already have and whether it's enough.