Your Ability to Earn Is Your Most Valuable Asset. Protect It.
Individual disability insurance replaces a portion of your income if you're unable to work due to illness or injury. It's the coverage most people don't think about until it's too late — and it's more affordable than you'd expect.
You Insure Your Home, Your Car, Your Business. But What About Your Paycheck?
Your ability to earn an income is your most valuable financial asset. Over a 30-year career, someone earning $75,000 per year will generate over $2.25 million in lifetime earnings. If an illness or injury prevents you from working — even temporarily — the financial impact is immediate: mortgage payments, bills, and daily expenses don't stop just because your paycheck does.
Individual disability insurance (IDI) replaces a portion of your income — typically 60% to 70% — if you become unable to work due to a covered illness or injury. Unlike employer-provided group disability, an individual policy is portable (you own it), customizable, and can include own-occupation coverage that protects your specific career and earning level.
Disability is far more common than most people think — and it doesn't have to be a dramatic accident. Back injuries, cancer, heart disease, and mental health conditions are among the most common causes. IDI ensures your income is protected no matter what happens.
Get a Disability Insurance Quote →Could you pay your bills without your paycheck?
Most people can't go more than a few months without income. Individual disability insurance keeps your financial life on track when you can't work. Let us find the right policy.
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Individual Disability Insurance Through Brawner
IDI policies are highly customizable — from benefit period and elimination period to own-occupation definitions and riders. Here's how the key components work.
Short-Term Disability
Replaces income for a short period — typically 3 to 6 months — after a brief waiting period (often 7–14 days). Covers temporary disabilities like recovery from surgery, injuries, or pregnancy complications.
Long-Term Disability
Replaces income for extended periods — 2 years, 5 years, 10 years, or until age 65/67 — after an elimination period (typically 90 days). Covers serious conditions like cancer, heart disease, back injuries, and chronic illness.
Own-Occupation Coverage
Pays benefits if you can't perform the duties of your specific occupation — even if you could work in a different role. Essential for professionals like doctors, dentists, attorneys, and specialists whose skills command premium income.
Partial / Residual Disability
Pays a proportional benefit if you can work part-time or at reduced capacity but earn less than before your disability. Fills the income gap as you transition back to full-time work during recovery.
Business Overhead Expense
Reimburses your business for fixed operating expenses — rent, utilities, employee salaries, insurance premiums — if you become disabled and can't work. Keeps your business running while you recover.
Cost of Living & Future Increase
COLA riders increase your benefit annually to keep pace with inflation. Future increase riders let you buy additional coverage later without a new medical exam — protecting your growing income over time.
Non-Cancelable & Guaranteed Renewable
Non-cancelable policies lock in your premium rate for the life of the policy — the insurer can never raise your rates or change your benefits. Guaranteed renewable means coverage continues as long as you pay premiums.
Student Loan & Retirement Riders
Specialized riders that continue paying your student loan obligations or retirement plan contributions while you're disabled — protecting long-term financial goals that would otherwise be derailed by a disability.
Let's protect your most valuable asset.
We assess your income, occupation, and financial obligations to build the right IDI policy for your life.
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