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Protect Your Income When Life Pauses
Disability insurance keeps your finances moving—even when you can't.
Your ability to earn is one of your most valuable assets. Disability insurance protects that income if an illness or injury prevents you from working. At Herbert Financial, we help entrepreneurs, executives, and professionals structure disability coverage that fits their lifestyle and risk exposure. This coverage replaces a portion of your income, ensuring your bills, obligations, and long-term goals stay on track.
Business owners can also protect overhead and payroll through specialty policies. It’s about securing more than income—it’s about securing everything that income supports.
What is Disability Insurance?
Disability insurance is a type of coverage that replaces a portion of your income if you’re unable to work due to illness or injury. Policies can be short-term or long-term, and they typically cover 60–80% of lost earnings, depending on plan design. For high earners and business owners, supplemental policies are often needed to match true income levels or protect business continuity.
In addition to personal income protection, there are business-specific plans like Business Overhead Expense (BoE) insurance that cover operating costs during disability. Choosing the right policy means balancing benefit amounts, elimination periods, and occupation-specific definitions of disability.
Long-Term Disability
Replaces income during extended health absences.
Business Overhead Expense
Covers costs like rent, salaries, and utilities.
Own-Occupation Coverage
Protects income if you can't do your specific job.
Elimination Period
Waiting time before benefits begin.
Service Benefits
- Replace income during illness or injury
- Customize plans to your profession or role
- Cover business expenses during downtime
- Preserve financial goals through any disruption
Document Detail
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Get in Touch
Phone Number
+1 (818) 213-1388
