Individual income
Review personal coverage alongside employer benefits, occupation definitions, and the income your household relies on.
YOUR INCOME SUPPORTS EVERYTHING ELSE
Protect your ability to keep life moving.
If illness or injury interrupts your work, disability insurance may replace a portion of your earnings and help keep important commitments on track.
Schedule a Disability ReviewPerspective
A connected view of your plan.
Start with your objectives. Bring the right professionals together. Understand the commitments before making a decision.
24%
Estimated probability of becoming disabled before normal retirement age for an insured worker turning 20 in 2026. Your personal risk and private policy definitions may differ.
Source: Social Security Administration, Actuarial Note 2026.6A plan that reflects your priorities.
Business overhead
Explore protection for eligible ongoing business expenses during a covered disability.
Ownership and key people
Consider disability buy sell and key person coverage for risks that personal income coverage does not address.
KNOW BEFORE YOU DECIDEThe details matter.
The details matter.
So do the tradeoffs.
The definition matters
Own occupation, any occupation, partial disability, and exclusions can produce very different coverage.
Benefits have limits
Review waiting periods, benefit duration, maximum amounts, and how other income or coverage affects benefits.
Your work can change
Review your protection as earnings, responsibilities, health, and business ownership evolve.
Important considerations
Benefits, definitions, exclusions, elimination periods, limits, offsets, tax treatment, and underwriting vary by policy. Coverage generally replaces only a portion of income. Social Security disability criteria differ from private insurance.
M. H. LeBlang Insurance Services is not the issuing insurance company and does not guarantee the contract. Any contractual guarantees depend on the issuer’s claims-paying ability and the terms of the contract.
M. H. LeBlang Insurance Services and the licensed insurance producer may receive commissions and other compensation from the issuing insurance company. Compensation varies by product and carrier and creates a financial incentive.
LET’S MAKE THE NEXT STEP SIMPLE
Schedule a ConsultationYou don’t have to figure it out alone.
Start with a conversation. We’ll help you find a path that fits.