Disability Insurance That Protects Your Income When You Can’t Work

Your ability to earn an income is your most valuable asset — and it deserves protection. Disability income insurance helps replace lost wages if an illness or injury keeps you from working. Whether you’re a professional in Milwaukee or a self-employed contractor in Waukesha, this coverage gives you a way to keep paying your bills when life throws you off track.



We help individuals and families across Wisconsin find long-term disability insurance that fits their needs, income, and career stage.

A woman in a wheelchair is sitting next to a man on a couch.

Why Disability Income Insurance Matters

Most people don’t think twice about covering their home or car — but few protect their paycheck. A disability, even if temporary, could leave you without a way to pay rent, cover groceries, or keep up with loans.



Employer disability plans, if you have one, may only cover a portion of your income — or may not last very long. If you're self-employed, you likely don’t have any protection at all. We’ll help you close those gaps with personalized options you can rely on.

Short-Term vs. Long-Term Disability Insurance

  • Short-Term Disability Insurance

    • Typically covers 3–6 months of lost income
    • Often offered as a workplace benefit
    • Covers temporary recovery periods from injuries, surgeries, or pregnancy
    • Limited payouts — usually not enough for extended financial stress

  • Long-Term Disability Insurance

    • Kicks in after a waiting period (usually 60–90 days)
    • Can last several years or until retirement, depending on your plan
    • Ideal for protecting your long-term financial health
    • Most individual policies we offer are long-term options

What Disability Insurance Covers

If you develop a serious illness or suffer an injury that prevents you from working, long-term disability insurance typically replaces up to 60% of your income. You can use that money however you need — rent or mortgage, groceries, bills, or child care.



Plans vary in how they define disability. We’ll walk you through options like:

  • Own-occupation coverage: You’re covered if you can’t perform your current job, even if you can do something else
  • Any-occupation coverage: Only pays if you can’t work in any reasonable job based on your experience or training

Coverage for Self-Employed Workers

If you run your own business — as a contractor, consultant, or freelancer — disability insurance is one of the most important protections you can carry. Since you don’t have an employer plan to fall back on, a private policy may be your only way to replace lost income. We’ll help you find coverage based on your actual earnings and working setup.

What to Know About Cost, Benefits & Timing

  • Elimination periods

    Your coverage won’t start until a set waiting period passes (usually 30–90 days)

  • Benefit amounts

    Typically replaces 50–60% of your gross income

  • Monthly cost

    Usually between 1–3% of your annual income — and often less for younger, healthier people

  • Tax impact

    If you pay the premium, the benefit is usually tax-free

Local Advice You Can Trust

From Brookfield and Elm Grove to West Allis and Wauwatosa, we work with Wisconsin residents in every line of work — from trades to tech, education to entrepreneurship. We’ll help you compare options, explain what to look for, and get a plan that keeps your finances stable if you ever need it.

Get a Quote

Let’s find the right disability insurance for your job, your income, and your stage of life. Reach out for a free quote — and we’ll send you a $25 gas card as a thank-you for the opportunity to help.

Common Questions About Disability Insurance

  • What does disability insurance cover?

    It replaces a portion of your income if you’re unable to work due to a covered illness or injury. You can use it to cover living expenses while you recover.

  • Does it cover on-the-job injuries?

    No — those are typically covered by workers’ compensation. Disability insurance helps when you’re injured or become ill off the job.

  • How much income will disability insurance replace?

    Most policies cover 50–60% of your pre-tax income. The exact amount depends on your earnings and the policy you choose.

  • Do I need disability insurance if I already have it through work?

    Maybe. Many employer plans are limited — they may not last long, or may not replace enough income. We can help you figure out if you’re underinsured.

  • How does disability insurance work for self-employed people?

    We’ll look at your tax returns or 1099 income to calculate coverage. Plans are flexible and designed to fit the income structure of freelancers, contractors, and sole proprietors.