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Your goal should be to replace as much of your pre-disability gross earnings as possible. The maximum amount of company disability insurance you can carry will generally only replace 60–70% of your gross income. You should consider purchasing the maximum amount of disability insurance through your employer, and, if necessary, purchase more insurance from a private carrier.
What If You Need More Disability Insurance?
If you only have the minimum disability coverage provided by an employer or you are self-employed, you can purchase an individual policy from an insurance company, enroll in a group plan offered through an association, or, if available, purchase more disability coverage from the employer. Here are some things to consider:
If you or your spouse is self-employed, make sure that you have adequate disability coverage.
Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. United Wealth Management is a trade name of United Bank. Infinex and United Bank are not affiliated. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.