Executive Disability
Protecting Your Most Valuable Asset: Your People
When a physician, partner, or key executive experiences a long-term disability, the financial consequences can be significant—not only for the individual, but also for the organization. A well-designed executive disability insurance strategy helps protect your top talent while strengthening your firm’s ability to attract, retain, and reward exceptional professionals.
In today’s competitive marketplace, executive disability planning demonstrates a meaningful commitment to the financial well-being of your leadership team. It helps reduce financial risk, encourages long-term loyalty, and enhances the overall value of your employee benefits program.
While employer-sponsored Group Long-Term Disability (LTD) insurance provides an important foundation, it is often not enough for highly compensated professionals. Because Group LTD benefits are typically capped, executives, physicians, partners, and other high-income earners may face a substantial income protection gap in the event of a disability.
Our Three-Tiered Disability Income Strategy
Group Long-Term Disability (LTD)
- Cost-effective employer-sponsored coverage.
- Guaranteed issue opportunities for eligible employees.
- Unisex premium rates.
- Strong foundation for disability income protection.
Individual Disability Insurance (IDI)
- Higher income replacement for salaries, bonuses, and commissions.
- Customized benefit design.
- Portable coverage.
- Enhanced policy features through individual underwriting.
Excess Disability Insurance (EDI) Through Lloyd’s of London
- Approximately 60–65% income replacement for qualifying professionals.
- Monthly benefits from $50,000 to $100,000 or more, subject to underwriting.
- Customized protection for ultra-high-income earners.
- Sustainable long-term plan design.
Who We Help
We specialize in customized disability income strategies for physicians, medical specialists, attorneys, business owners, entrepreneurs, corporate executives, professional partnerships, and other key employees.
Learn More
Contact us to discuss a customized executive disability strategy and discover how we can help protect your most valuable asset—your people.