Disability & Income Protection
Your ability to earn an income is one of your most valuable assets. If an illness or injury prevents you from working, disability insurance helps replace lost income—so you can keep up with bills, stay on track financially, and focus on recovery. At Benservco Benefits, we offer a range of income protection solutions for employees, self-employed individuals, and business owners.
Protect Your Paycheck, Protect Your Future
Most people insure their homes, cars, and health—but many overlook the risk of losing their income. A sudden accident, surgery, or chronic illness could leave you unable to work for weeks, months, or even longer. Disability insurance helps ensure that life doesn’t fall apart while you’re focused on getting better.
Our Disability & Income Protection Solutions
Short-Term Disability Insurance
Short-term disability (STD) provides income replacement for temporary conditions that prevent you from working—such as surgery, injury, pregnancy, or a sudden illness. Benefits typically begin after a short waiting period and last from a few weeks up to 6 months.
Best for:
- Employees or self-employed professionals
- Covering temporary work absences
- Keeping up with bills during recovery
Long-Term Disability Insurance
Long-term disability (LTD) kicks in after short-term coverage ends or after a longer elimination period (typically 90+ days). It provides a monthly benefit for a more extended period—often until you recover or reach retirement age.
Best for:
- High-income earners or sole breadwinners
- Protecting your future income
- Safeguarding against career-ending conditions
Self-Employed Income Replacement Plans
If you’re self-employed or a contractor, traditional disability benefits may not be available. We offer income protection plans designed specifically for independent professionals—so you can still pay yourself even if you can’t work.
Best for:
- Freelancers, consultants, and gig workers
- Business owners without employer coverage
- Maintaining income consistency during downtime
Business Overhead Expense Disability
This specialized coverage reimburses fixed business expenses—like rent, payroll, and utilities—if you, as the owner, are unable to work due to a disability. It ensures your business can stay afloat even if you’re temporarily out of commission.
Best for:
- Small business owners and practice owners
- Professional offices (medical, legal, financial)
- Preserving operations while you recover
Why Work with Benservco Benefits?
We know every client’s situation is unique. At Benservco Benefits, we take the time to understand your income, career path, and financial obligations—then recommend the right combination of disability coverage to fit your needs and risk tolerance. As an independent agency, we offer access to multiple carriers and personalized service you can trust.
Not sure which policy to choose?
Let’s Find the Right Fit for You
Let’s Protect Your Paycheck Together
You work hard for your income—make sure it’s protected. Whether you’re an employee, business owner, or freelancer, we’ll help you find coverage that gives you peace of mind and financial stability.