Individual Disability Income

Protecting Your Paycheck

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If you are not able to work because of an accident or a serious illness, how long can you afford to go without a paycheck?

An Individual Disability Income insurance policy will replace your net-income in such an event. Taking into account your occupation and income, Owens Group will work with you to tailor a policy that best fits your needs.

The Owens Group represents many leading carriers and can advise regarding features that will enhance the value of your coverage in the event of a claim. These features include: the definition of disability, residual benefits, inflation, and guarantees that affect both premium and coverage.

For individuals who have the option of purchasing this coverage through an employer-sponsored plan, we can help evaluate your level of protection and your premium. We can also advise you on issues such as the portability of coverage should you change jobs.