Disability Income Insurance
Protect Your Income. Preserve Your Lifestyle.
Your ability to earn an income is one of your greatest assets—yet it's often one of the most overlooked. If an illness or injury prevents you from working, how would you maintain your lifestyle, cover your expenses, or support your family?
At Heritage Wealth Group, we offer Disability Income Insurance solutions that provide financial protection when you need it most—so you can focus on recovery, not your bills.
What is Disability Income Insurance?
Disability income insurance replaces a portion of your income if you’re unable to work due to a covered illness or injury. It ensures you can continue to meet your financial obligations—such as mortgage payments, utilities, groceries, or tuition—without depleting your savings or relying on others.
Our Disability Insurance Services Include:
Short-Term Disability Insurance
Provides temporary income replacement for disabilities lasting a few weeks to several months—ideal for recovery from surgery, injury, or maternity leave.
Long-Term Disability Insurance
Offers extended protection for serious conditions that prevent you from working for a year or longer.
Own-Occupation Coverage
Protects your income even if you can work in another field but not in your trained profession—especially valuable for specialists like doctors, attorneys, or executives.
Supplemental Coverage
Enhance group disability benefits with individual policies that close coverage gaps and increase your monthly protection.
Who Needs Disability Insurance?
If you rely on a paycheck, you need disability income protection. It's especially important for:
Professionals and high-income earners
Self-employed individuals and business owners
Families with limited emergency savings
Employees with limited or no employer-provided coverage
Why Choose Heritage Wealth Group?
Tailored Coverage – We assess your income, occupation, and financial goals to recommend the right level of protection.
Access to Top Carriers – We work with leading insurers to offer competitive rates and flexible policy options.
Expert Guidance – Our licensed advisors simplify the process and explain everything in clear, straightforward language.
Integrated Planning – We help ensure your disability coverage fits seamlessly into your overall financial plan.
Your income is your foundation—protect it.