Protect Your Paycheck with Disability Income Insurance

Your income keeps your household steady. If it stops due to illness or injury, IDR Disability Insurance helps maintain financial stability when you need it most.

Key Details
Replaces a portion of your income so essentials like mortgage, groceries, and childcare remain covered.
Helps protect your family’s financial stability without depleting savings.

What to Know About IDR Disability Insurance
IDR Disability Insurance is designed to replace part of your income if you’re unable to work due to a covered illness or injury.
You can customize your plan with options like elimination period (waiting time), benefit period (how long payments last), and definition of disability (own-occupation vs. any-occupation).
Typical coverage replaces 50–70% of your gross income, with benefits, riders, and amounts varying by state and carrier.
Tax treatment depends on how premiums are paid (pre-tax or after-tax). Contact IDR for details.

Fast Next Steps
List your monthly income, fixed expenses, and any existing sick leave or short-term disability coverage.
Our experts will help you compare carriers, definitions (own-occ), elimination and benefit periods, and riders such as residual income and COLA.
Keep your income documentation (W-2/1099 or tax returns if self-employed) ready for a smooth application process.

No employer sick pay? If illness or injury keeps you from working, your income may stop—but expenses won’t. IDR Disability Insurance ensures a steady flow of income, helping you manage bills and maintain financial stability while you recover.

Key Details
Protects your personal income when a covered disability prevents you from working.
Optional riders are available to support partial or residual disabilities when earnings are reduced.

What to Know About IDR Disability Insurance
IDR Disability Insurance is designed to replace a portion of your income if you’re unable to work due to a covered illness or injury.
Common plan features include elimination periods (waiting time), benefit periods (duration of payments), and disability definitions (own-occupation vs. any-occupation).
Typical coverage replaces 50–70% of gross income, with options, benefits, and riders varying by state and carrier.
Tax treatment depends on how premiums are paid—pre-tax or after-tax. Contact us for personalized guidance.

Fast Next Steps
Assess your monthly take-home pay, fixed expenses, and any current sick leave or disability benefits.
Our team will help you compare carriers, coverage definitions, elimination and benefit periods, and add-ons like Residual Disability and COLA riders.
Keep basic income proof handy, such as W-2s, 1099s, or recent tax returns if self-employed.

Doctors, attorneys, executives—your expertise drives your success. IDR Disability Insurance helps protect that earning power by replacing part of your income if illness or injury keeps you from working, so your financial engine keeps running strong.

Key Details
Own-occupation coverage helps protect your income if you can’t perform the specific duties of your profession.
Future increase options allow your protection to grow along with your career and income.

What to Know About IDR Disability Insurance
IDR Disability Insurance is designed to replace a portion of your income if you’re unable to work due to a covered illness or injury.
Choose from flexible options including elimination periods (waiting time), benefit periods (how long coverage pays), and definitions of disability (own-occupation vs. any-occupation).
Typical benefits replace 50–70% of your gross income, with plan details varying by state and carrier.
Tax treatment depends on who pays the premiums—pre-tax or after-tax. Our team can guide you through the best setup.

Fast Next Steps
Assess your monthly income, expenses, and any existing short-term disability coverage.
We’ll help you compare leading carriers, plan options, and riders like residual income or cost-of-living adjustments (COLA).
Keep your income documents (W-2/1099 or tax returns if self-employed) ready to streamline your application.

Construction, healthcare, warehouse, or delivery—physical jobs come with real risks. IDR Disability Insurance helps protect your income when injuries or recovery time keep you off the job, ensuring your financial stability while you focus on healing.

Key Details
Provides income protection if a covered illness or injury prevents you from performing your job duties.
Complements workplace benefits that may have limited coverage or shorter durations.

What to Know About IDR Disability Insurance
IDR Disability Insurance replaces a portion of your income if you’re unable to work due to a covered illness or injury.
You can customize your plan with options like elimination periods (waiting time), benefit periods (how long payments continue), and definitions of disability (own-occupation vs. any-occupation).
Typical coverage replaces 50–70% of your gross income, with benefits, riders, and coverage limits varying by state and carrier.
Tax treatment depends on who pays the premium (pre-tax vs. after-tax). IDR can guide you on what fits best for your situation.

Fast Next Steps
Review your monthly income, essential expenses, and any existing short-term or employer disability coverage.
We’ll help you compare plans, definitions, waiting periods, and optional riders such as residual or cost-of-living adjustments (COLA).
Keep your recent income proof (W-2, 1099, or tax returns if self-employed) handy to get started quickly.

Mortgages, rent, student loans, car payments—these automatic bills don’t stop if you’re sidelined by illness or injury. IDR Disability Insurance helps ensure your essential expenses stay covered even when you can’t work.

Key Details
Benefits help ensure essential bills—like rent, mortgage, and utilities—are paid during recovery.
Protects savings, including retirement or college funds, from being depleted to cover expenses.

What to Know About Disability Insurance
Designed to replace a portion of your income if illness or injury prevents you from working.
Common features include elimination period (waiting time before benefits start), benefit period (duration of payments), and definition of disability (own‑occupation vs. any‑occupation).
Coverage typically replaces 50–70% of gross income; benefits, riders, and limits vary by state and carrier.
Tax treatment depends on who pays premiums (pre‑tax vs. after‑tax). Consult us for details.

Fast Next Steps
List your monthly take-home pay, fixed bills, and existing sick leave/short‑term disability.
Compare carriers, definitions (own‑occupation), elimination/benefit periods, and riders like residual and COLA.
Have income documentation ready (W‑2/1099, tax returns if self‑employed).

IDR Disability Insurance is typically more affordable when you enroll younger and in good health—your future self will thank you.

Key Details
Lock in IDR Disability Insurance coverage before health changes that could increase costs or reduce benefits. Build a strong, long-term safety net early in your career to protect income and financial stability.

What to Know About Disability Insurance
Designed to replace part of your income if illness or injury prevents you from working. Common options include elimination periods (waiting time), benefit periods (how long it pays), and definition of disability (own-occupation vs. any-occupation). Typical coverage replaces 50–70% of gross income; benefits, riders, and amounts may vary by state and carrier. Tax treatment depends on how premiums are paid (pre-tax vs. after-tax).

Fast Next Steps
List your monthly take-home pay, fixed bills, and existing sick leave or short-term disability.
Compare carriers, definitions (own-occupation), elimination/benefit periods, and riders like residual and COLA.
Have basic income documentation ready (W‑2/1099, tax returns if self-employed).

Generally, the younger and healthier you are when applying for IDR Insurance, the lower your premium.
IDR Insurance prices risk based on age and health—younger individuals statistically file fewer claims, and good health reduces underwriting concerns.

Medical history: Chronic conditions, recent surgeries, or ongoing treatments may affect coverage, adding riders, exclusions, or surcharges.
Lifestyle: Factors like height/weight, nicotine use, and high-risk activities influence premiums.
Lock it in early: The premium class you qualify for today generally remains for the life of your IDR Insurance policy.

Your job responsibilities determine your risk class, which directly affects your IDR Insurance premium.
Roles that are hands-on, physically demanding, or involve frequent fieldwork have a higher likelihood of claims compared to desk-based positions.

Risk class matters: The same salary may be priced differently for a surgeon, electrician, or software engineer under IDR Insurance.
Accurate documentation: Clear job descriptions and industry codes help ensure correct classification.
Promotion changes: Moving to more administrative duties may qualify you for a lower risk class at renewal.

Benefit duration and waiting periods impact cost: A 2-year benefit period costs less than coverage to age 65/67, while longer protection increases premiums. Similarly, shorter elimination (waiting) periods, like 30 days, cost more than 90 or 180 days.

Tip: Use an emergency fund to select a longer waiting period and reduce your premium.
Cash‑flow fit: Balance monthly costs with how long you could self‑fund before benefits begin.
Coordination: Align with employer-provided LTD coverage to prevent gaps or overlap.

With IDR Insurance, options like COLA, own‑occupation, and partial disability enhance protection — and influence cost. Customize your coverage to match your career and budget. Common riders include:

Inflation protection (COLA): Increases benefits during a claim to keep up with rising living costs.
True own‑occupation: Pays if you cannot perform your specialty, even if working in another role.
Residual/partial disability: Replaces part of income when you can work but not at full capacity.
Future increase option: Allows you to raise benefits later without additional medical underwriting.