Protecting the Life You’ve Built

Your income is your most valuable asset. It’s what supports your family, funds your goals, and sustains the life you’ve worked hard to build.

Yet most people insure their home, their car, and their belongings—while leaving their income largely unprotected.

Disability income insurance is designed to protect you if illness or injury prevents you from working. It replaces a portion of your income so you can maintain your standard of living, meet your obligations, and focus on recovery—without financial stress compounding an already difficult situation.

​

Why Disability Insurance Matters

The reality is that the greatest risk to long-term financial stability isn’t death—it’s the loss of earning ability.

If your work is what makes everything else possible, then protecting your ability to earn is essential. Disability insurance is uniquely focused on your profession, your skills, and your livelihood—the very things you’ve spent years developing.

Unlike other forms of insurance, disability coverage is built around what you do for a living and whether you’re able to continue doing it.

​

What Disability Income Insurance Covers

A properly designed policy can:

• Replace a portion of your income if you’re unable to work due to illness or injury

• Help you maintain your lifestyle and meet ongoing expenses

• Provide financial stability during recovery or rehabilitation

• Protect savings and long-term financial plans

Policies can be tailored to fit your career, income structure, and risk tolerance.

​

Key Policy Features to Consider

Disability income insurance is highly customizable. Important features often include:

• Own-occupation coverage – benefits paid if you can’t perform your specific profession

• Benefit amount – typically a percentage of earned income

• Benefit period – how long benefits last (e.g., 2 years, 5 years, to age 65 or longer)

• Elimination period – the waiting period before benefits begin

• Residual or partial disability benefits – coverage for reduced income if you can work in a limited capacity

• Cost-of-living adjustments (COLA) – helps benefits keep pace with inflation

These details matter—and the right structure can make a meaningful difference when coverage is needed most.

​

Employer Coverage Isn’t Always Enough

Many employer-provided disability plans cover only a portion of income and may be taxable when benefits are paid. They also often lack strong own-occupation definitions and portability if you change jobs.

Individual disability insurance can supplement or replace employer coverage—providing stronger protection, greater flexibility, and coverage that stays with you throughout your career.

​

Thoughtful Planning. Clear Advice.

Disability income insurance isn’t about assuming something will go wrong. It’s about recognizing the value of what you’ve built—and protecting it with intention.

At Michael Greco Insurance, we work with top carriers nationwide to design disability coverage that aligns with your profession, income, and long-term goals. Whether you’re a business owner, professional, or independent contractor, we help you understand your options and build coverage that makes sense.

If you’re open to it, I’d be happy to walk through your current situation and see how disability income protection could fit into your overall plan.