Comprehensive income protection designed for California professionals and families. Protect your most valuable asset - your ability to earn income - with disability insurance that replaces lost wages when illness or injury prevents you from working, ensuring financial security and peace of mind.
Most California professionals insure their homes, cars, and belongings, but fail to protect their most valuable asset - their ability to earn income. Disability insurance provides crucial financial protection when illness or injury prevents you from working, ensuring your family's financial security in California's high-cost environment.
Statistics show that one in four workers will become disabled before retirement age. In California's expensive economy, with high housing costs, living expenses, and financial obligations, losing your income due to disability can quickly lead to financial devastation. Disability insurance ensures you can continue to pay your mortgage, support your family, and maintain your California lifestyle even when you can't work.
California offers some of the most comprehensive disability insurance options in the country, including state disability insurance (SDI) and private supplemental coverage. Our expert agents help you understand your existing coverage through California's SDI program and identify critical gaps that need to be filled with additional private protection for complete income security.
Disability insurance covers both physical and mental health conditions that prevent you from working, including workplace and non-workplace injuries, acute and chronic illnesses, pregnancy complications, mental health conditions, and degenerative diseases. Coverage extends beyond workplace injuries to include conditions that occur anywhere, providing complete protection for California professionals and families.
Comprehensive coverage options designed for California professionals and families, providing financial security when illness or injury prevents you from working
Immediate income replacement for temporary disabilities lasting weeks to months. Provides 60-70% of your California income for up to 2 years, ensuring financial stability during recovery periods.
Comprehensive income replacement for extended disabilities lasting years or until retirement. Essential protection for serious injuries, chronic conditions, and long-term health challenges affecting California professionals.
Understanding the key components that protect California professionals and families
Typically 60-80% of your pre-disability income, designed to maintain your California lifestyle. Maximum monthly limits based on your occupation and income level in California's high-cost environment.
The waiting period before benefits begin, ranging from 30 days to 2 years. Shorter periods provide faster relief for California families, while longer periods offer lower premiums.
How long benefits are paid, from 2 years to age 65. Longer periods provide comprehensive protection for California professionals facing extended disabilities.
Pays benefits if you can't perform your specific California job, even if you could work in another occupation. Essential for specialized professionals and high earners.
Increases benefits annually to keep pace with California's inflation and rising costs during long-term disabilities, protecting your purchasing power.
Partial benefits if you can work part-time or at reduced capacity due to your disability. Supports gradual return to work for California professionals.
Understanding your existing coverage gaps and why private insurance is essential
California SDI only covers short-term disabilities with limited benefits. For comprehensive protection, long-term coverage, and higher benefit amounts that match California's cost of living, private disability insurance is essential.
Essential protection for California professionals and families who depend on their income
Doctors, lawyers, tech executives, and other professionals with specialized skills and high incomes that exceed California SDI caps. Essential for maintaining your California lifestyle.
Business owners, freelancers, and entrepreneurs who don't qualify for California SDI and have no employer-provided coverage. Critical for protecting your business and family.
Anyone whose family depends on their income for California mortgage payments, high living expenses, and financial goals in one of the nation's most expensive states.
Recent graduates and early-career professionals building their future in California. Disability insurance is most affordable when you're young and healthy.
Parents and spouses who need to protect their family's financial security against the high costs of living in California, including childcare, education, and housing.
Don't risk your family's financial security in California's high-cost environment. Get comprehensive disability insurance and ensure your income is protected against illness and injury.