Individual income protection
Address the gap between essential cash flow and benefits available during a qualifying disability.
Insurance & annuities /Protect the income
Disability insurance
Protect the income
behind the plan.
Coordinate individual and business disability coverage around the income, operating obligations, and ownership risks that an illness or injury could disrupt.
M. H. LeBlang, Inc. dba M. H. LeBlang Insurance ServicesCA Insurance License 0M32052
Business overhead expense
Evaluate coverage for eligible operating expenses while a covered owner is disabled.
Disability buy-sell
Align coverage with a documented ownership-transfer obligation and the agreement’s disability definition.
Key person disability
Consider the financial effect of a covered disability affecting a critical employee or owner.
Professional case review
Connect the coverage
to the broader plan.
A useful comparison makes the objectives, assumptions, tradeoffs, and implementation responsibilities clear.
- 01
Definition of disability
Compare occupation definitions, total and residual or partial benefits, exclusions, and the treatment of a return to work.
- 02
Timing and benefit limits
Review elimination periods, benefit periods, coverage amounts, income documentation, and offsets against other coverage.
- 03
Policy and business fit
Coordinate individual and group coverage, ownership, premium payment, business agreements, and tax treatment with the appropriate professionals.
Product & implementation considerations
Benefits depend on meeting the policy’s disability definition and other claim requirements. Issue amounts and terms are subject to occupational, financial, and medical underwriting. Review exclusions, offsets, renewability, and noncancelability provisions for the actual contract.
Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.
For your practice
Bring the case.
Define the next step.
Start with the planning objective, client state, and the decision you need to make.