Disability Insurance
1 in 4 workers will face a disability before retirement. Protect your most valuable asset -- your ability to earn a living.
Understanding Disability Insurance
Learn why disability insurance is essential and how it protects your financial stability if you can't work.
Why Disability Insurance is Essential
With 1 in 4 workers becoming disabled before retirement, disability insurance ensures you can continue paying your mortgage, bills, and daily expenses even when you can't work.
Your Income is Your Greatest Asset
Over your career, you'll earn millions of dollars. Disability insurance protects this income stream, ensuring financial stability even if you can't work.
More Common Than You Think
1 in 4 of today's 20-year-olds will become disabled before retirement. Back injuries, cancer, mental health conditions, and accidents can happen to anyone.
Employer Coverage May Not Be Enough
Group disability through work typically replaces only 50-60% of income, may not be portable if you change jobs, and often has limited definitions.
Protect Your Family's Lifestyle
Continue paying your mortgage, car payments, groceries, and children's education even when you can't earn a paycheck.
Social Security Isn't Reliable
SSDI has strict requirements, long waiting periods, and low approval rates. Private disability insurance provides faster, more reliable protection.
Lock In Lower Premiums Now
The younger and healthier you are when you apply, the lower your premiums. Waiting until a health issue arises can make coverage more expensive or unavailable.
Who Should Consider Disability Insurance?
Working Professionals
If you depend on your paycheck to pay bills, you need disability insurance. It's that simple.
High-Income Earners
The more you earn, the more you have to lose. Protect your lifestyle and financial obligations with adequate coverage.
Self-Employed
No employer coverage means you're completely exposed. Disability insurance is critical for business owners and freelancers.
Primary Breadwinners
If your family depends on your income, disability insurance ensures they're protected if you can't work.
Young Professionals
Lock in lower rates while you're young and healthy. Disability risk increases with age.
Specialists & Professionals
Doctors, lawyers, executives -- protect your specialized income with own-occupation disability coverage.
Get Your Free Disability Insurance Quote
Answer a few simple questions and our licensed advisors will prepare a custom quote from top-rated carriers -- tailored to your needs, your budget, and your family.
100% free and confidential. We'll prepare personalized options for you.
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Disability Insurance Quote
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What Our Clients Say
Based on real client experiences, dramatized for privacy.
"I'm a surgeon and my hands are my livelihood. Landau found me an own-occupation policy that specifically protects my specialty. No other broker took the time to understand what I actually needed."
Dr. James C.
Own-occupation disability policyholder
"I was diagnosed with MS at 41. My disability policy through Landau kicked in within 90 days and has been covering 60% of my income ever since. I don't know what we'd do without it."
Karen T.
Filed a disability claim in 2022
"As a self-employed consultant, I had zero safety net. Landau set me up with a policy that protects my income if I can't work. It's one of the smartest things I've done for my family."
Daniel R.
Self-employed disability policyholder
"I thought my employer's disability coverage was enough until Landau showed me the gaps. They found me a supplemental policy that fills in exactly what my group plan doesn't cover."
Angela M.
Supplemental disability coverage
How Disability Insurance Works
Choose Your Coverage
Select your monthly benefit amount (typically 50-70% of income), benefit period (2 years to age 65), elimination period (30-180 days), and policy definition. We'll match coverage to your needs.
Apply & Get Approved
Complete an application with medical and financial underwriting. We compare carriers to find the best policy for your occupation and health profile.
File a Claim if Disabled
If illness or injury prevents you from working, you file a claim with your carrier. After your elimination period, monthly benefit payments begin.
Receive Monthly Income
Your policy pays you a monthly benefit to replace lost income. Benefits continue for the duration of your disability or until the benefit period ends -- keeping your family financially secure.
Frequently Asked Questions
Get Your Free Disability Insurance Buyer's Guide
Learn how disability insurance works, understand coverage options, and discover how to protect your most valuable asset -- your income.
100% free. No credit card required.
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Disability Insurance Buyer's Guide
Safeguard Your Most Valuable Asset -- Your Income
What's Inside
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