If your income stopped, what would carry the plan?
For most working professionals and business owners, future income is the asset every other goal rests on. Sarah helps clients review how a disability could affect income, savings, and long-term plans, and what income protection may be appropriate to consider.
Start with an introductory review.
Life Insurance Review
For anyone whose family, mortgage, or business obligations depend on their income continuing.
Request a ReviewDisability Income Review
For professionals and business owners whose earnings depend on their ability to work.
Request a ReviewLong-Term Care Review
For individuals and couples preparing for extended care before it becomes urgent.
Request a ReviewBuilt around real lives, not generic profiles.
What Sarah helps clients work through.
Group coverage through work may replace less income than expected
Coverage has never been reviewed against current income or bonuses
Self-employed income is not protected by any employer plan
There is no plan for how bills and savings continue if income stops
A coordinated approach.
- Reviewing existing group and individual coverage against actual income needs
- Understanding general policy features such as definitions of disability, benefit periods, and waiting periods
- Considering how business overhead or buy-sell obligations could be affected
- Coordinating income protection with life insurance, retirement, and long-term care planning
A simple way to get started.
- 01Review
Look at current income, benefits, and any existing coverage.
- 02Identify the gap
Estimate what would actually continue if income stopped for an extended period.
- 03Compare options
Walk through general options and tradeoffs in plain language.
- 04Revisit
Review coverage as income, career, and business responsibilities change.
Disability Income Insurance — common questions.
Income protection reading by situation.
- Disability insurance for physicians and doctors
Specialty-specific duties, training-to-attending timing, and the contract wording behind “own occupation.”
- Disability insurance for attorneys and high-income professionals
Group benefit caps, bonus and production-based pay, residual disability, and portability.
- Are disability insurance benefits taxable?
Why benefits are not automatically tax-free, with IRS sources to review with your tax professional.
Washington professionals reviewing coverage bought during the 2021 long-term care rush can request a Washington policy review. Disability income coverage is separate from long-term care coverage and is expressly not supplemental long-term care insurance under Washington law.
Explore related planning areas.
Protect the people and plans that depend on you.
Plan for extended care before it becomes an emergency decision.
Planning for the business — and the life it supports.