Disability insurance protects your income if an injury or illness prevents you from working. It replaces a portion of your paycheck so you can continue paying your bills, supporting your family, and maintaining financial stability during recovery.
Whether you’re self-employed, a contractor, or an employee without workplace benefits, having your own disability policy ensures you’re protected when life is unpredictable.
⭐ Why Disability Insurance Matters
✔ Protects Your Income
Covers a portion of your earnings if you’re unable to work due to sickness or injury.
✔ Keeps Your Financial Life Stable
Helps you pay your mortgage, rent, utilities, and daily expenses while you recover.
✔ Essential for Self-Employed Professionals
No employer benefits? A private disability plan fills the gap.
✔ Covers Short-Term & Long-Term Needs
Choose plans that cover weeks, months, or even years depending on your situation.
✔ Peace of Mind for You and Your Family
Your lifestyle, savings, and long-term goals stay protected.
⭐ Types of Disability Insurance
Short-Term Disability
Provides income protection for temporary injuries or medical conditions, typically lasting from a few weeks to several months.
Long-Term Disability
Covers more serious injuries or illnesses and can replace income for several years or until retirement age.
Own-Occupation Coverage
Pays benefits if you can’t perform the specific duties of your job — the strongest type of protection.
⭐ Who Needs Disability Insurance?
- Self-employed individuals
- Contractors and gig workers
- Business owners
- Employees without workplace benefits
- Anyone who relies on their income to support their household
If a paycheck is important to your financial life, disability insurance is essential.
⭐ Why Choose LifeCare Benefit Services
We compare multiple top-rated insurance carriers to find the best disability coverage for your budget, occupation, and income needs. Our goal is to make the process simple, affordable, and customized to your goals.
- Multiple carriers compared
- Competitive pricing
- Fast, simple application process
- Custom benefit periods and income protection options
Contact Us at 410-240-9252
🌐 LifeCareBenefitServices.com