Watch Video: A Real-life Story of Individual Disability Insurance

Doug Waters spent several decades in the insurance industry, focusing much of that time in the area of individual disability insurance. When Doug was diagnosed with cancer, he found himself relying on the same benefits he recommended throughout his professional life. Watch this video to learn more about Doug’s story and his experience with income protection:

When it comes to income protection, group long term disability insurance is great for most employees. Providing 40 to 60% of their base salary in the event of a disability covers a fair amount of their income needs. But income coverage is often capped with no protection for incentives or bonus pay. High earners can find themselves with a sizable income protection gap if they are unable to work due to disability.

That's why adding individual disability insurance on top of an LTD plan is so important for many employees. When individual disability insurance is provided on a guaranteed standard issue basis, it can protect the higher income, bonuses, commissions, and other incentives high earners depend on. Not only can individual disability insurance help protect key employees from financial disruption if they go out on disability, it can also help your benefits package stand out to high-value employees.

Learn how we can help protect the income of your highly compensated employees with our individual disability insurance options.