Protect your paycheck
Disability Insurance
Unexpected events can disrupt your life and career. Disability insurance protects your income and financial well-being, giving you a safety net and peace of mind during challenging times.
Income protection
Your Ability to Earn Is Your Biggest Asset
Disability insurance replaces part of your income if an illness or injury prevents you from working. The monthly benefit helps you keep paying the mortgage or rent, medical bills and everyday expenses while you focus on recovery.
Short-term and long-term disability options
Individual coverage that stays with you if you change jobs
Plans for employees, executives and self-employed professionals
Benefits
Why Choose Our Disability Insurance?
Financial Security
Disability coverage helps you continue to receive a portion of your income if you become disabled and unable to work, so you can meet everyday expenses like your mortgage or rent, medical bills and household necessities.
Customized Coverage
Whether you're self-employed, an executive or an employee, we offer options tailored to your occupation, income level and desired benefits, and help you choose the policy that fits your circumstances.
Income Replacement
A disability policy typically replaces a meaningful share of your earnings, often around 50 to 70 percent, so a long recovery doesn't have to become a financial crisis.
Flexibility and Portability
Life and careers change. Individual policies can be adjusted as your needs evolve and generally stay with you when you move to a new job.
Help With Claims
If you ever need to file a claim, we help you understand the process, gather what the insurance company needs and follow up, so you can focus on getting better.
Expert Guidance
Our team takes the time to explain your policy and its benefits in plain language and answers your questions, before and after you buy.
What does disability insurance cover?
Disability insurance replaces part of your income, often around 50 to 70 percent, if an illness or injury prevents you from working. The benefit helps you keep paying the mortgage, bills and everyday expenses while you recover.
What is the difference between short-term and long-term disability insurance?
Short-term disability insurance usually pays for a few weeks or months. Long-term disability insurance can pay for several years or until retirement age, which protects you against the most financially damaging situations.
Is disability coverage through my employer enough?
Often not. Group coverage may replace only part of your salary, benefits may be taxable, and the coverage usually ends if you change jobs. An individual policy can fill the gaps and stays with you.
When do disability benefits start?
Benefits begin after an elimination period, commonly 90 days for long-term coverage. A longer elimination period usually lowers the premium.
Areas we serve
Disability Insurance in South Elgin, IL
Protect your paycheck with disability income insurance from Brian Lee, helping workers and business owners in South Elgin, IL and the Fox Valley. Meetings are available online or by phone.
South Elgin, IL
Elgin, IL
St. Charles, IL
Geneva, IL
Batavia, IL
Bartlett, IL
Streamwood, IL
West Chicago, IL
Carol Stream, IL
Carpentersville, IL
Algonquin, IL
Lake in the Hills, IL
Schaumburg, IL
Hoffman Estates, IL
Huntley, IL
Wheaton, IL
North Aurora, IL
Warrenville, IL
Naperville, IL
Crystal Lake, IL
Protect Your Future with Disability Insurance
Disability insurance is a critical part of your financial plan. Don't leave your income and livelihood vulnerable to the unexpected.
