Disability & Income Protection
If you suddenly became unable to work due to an illness or injury, how would you pay for your mortgage, utilities, or daily expenses? Disability insurance replaces a portion of your income when you can’t work, giving you peace of mind during recovery and stability through uncertainty.
At OneHealthOne, we help individuals, families, and self-employed professionals find coverage tailored to their health, job, and financial goals — so you can focus on healing, not on lost income.
Types of Disability Coverage
We’ll help you understand the two major types of disability insurance:
- Short-Term Disability (STD): Replaces income for a few weeks to months, typically after surgery, an injury, or maternity leave.
- Long-Term Disability (LTD): Provides extended benefits if a serious illness or injury prevents you from working for months or even years.
Many clients use disability insurance to supplement Social Security Disability Insurance (SSDI), which can take months to process and often isn’t enough to cover living expenses.
What Disability Insurance Can Cover
Disability and income protection plans typically cover:
- Lost income due to non-work-related injuries or illnesses
- Monthly living expenses (rent, mortgage, food, and utilities)
- Credit card bills, car payments, and loan obligations
- Childcare and dependent care costs
- Business expenses (for self-employed individuals)
How OneHealthOne Helps You
We make protecting your income simple and stress-free.
Our licensed insurance professionals guide you through every step:
1
Consultation
2
Plan Comparison
3
Custom Fit
4
Application & Support
5
Ongoing Review
Who Should Consider Disability Insurance?
Disability & income protection is ideal for:
- Working adults of any age or profession
- Self-employed professionals and freelancers
- Sole income earners supporting a household
- Individuals with high monthly expenses or loan obligations
Key Benefits
- Income replacement during illness or injury
- Flexible short-term and long-term plan options
- Affordable premiums for essential protection
- Tailored coverage for self-employed and W-2 workers
- Peace of mind knowing your lifestyle and savings are secure
With OneHealthOne, you can stay financially stable no matter what life brings — because your paycheck deserves protection.
Our Licensed Network and Service Areas
These professionals understand local laws, carrier options, and plan variations — ensuring you get accurate information that fits your unique financial goals.
Common Questions About Disability Insurance
Short-term coverage usually lasts 3 to 6 months, while long-term plans may pay benefits for several years or until retirement age.
Yes. Many plans are designed specifically for freelancers, business owners, and independent professionals.
It depends on your elimination period, typically 30, 60, or 90 days — you choose based on your savings and needs.
This coverage applies to non-work-related illnesses or injuries. Work-related disabilities are usually covered under workers’ compensation.
Speak with a Licensed Agent
An unexpected illness or injury can impact your finances overnight. With OneHealthOne, you can secure coverage that protects your income, family, and future — before you need it.
Schedule a no-cost, no-obligation consultation today to explore disability and income protection plans. Find a Licensed Agent →