Long-form explainers and cost breakdowns, refreshed as rules change.
Individual Own-Occupation explained: own-occupation definition, To age 65 benefits, 90 days elimination period, $120–$220/month. Who it fits and the clauses that matter.
Short-Term Disability explained: own-occupation definition, 3–6 months benefits, 0–14 days elimination period, $15–$40/month. Who it fits and the clauses that matter.
Key Person Disability explained: own-occupation definition, 1–5 years benefits, 90 days elimination period, $60–$150/month. Who it fits and the clauses that matter.
Disability Buy-Out explained: own-occupation definition, Lump sum benefits, 90–180 days elimination period, $80–$180/month. Who it fits and the clauses that matter.
