Disability Insurance
Protecting your income from disability. Every day, we face the risk of being one accident, one slip, one diagnosis away from a disabling event that disrupts our income and lifestyle — possibly forever.
If you've ever fallen off a ladder or slipped on an icy step, overworked your back until it hurt, or become so ill you were admitted to the hospital — you know these are painful, but fortunately temporary, health changes that take just a little time to recover from.
But while your health was recovering, what happened to your bills? They kept coming, didn't they?
We are one accident, one slip, one diagnosis away from a disabling event that could disrupt our income and lifestyle — possibly forever. If we're lucky, it's only temporary. Sometimes, it's permanent.
Many of us are the breadwinners in our household. We're the boss at the company we built, the single parent, the sole income earner for a growing family — the contractors, the managers, the dentists, and the optometrists who get up every day and make it happen. How would a disabling event affect your bills? Would they keep coming even if you couldn't go to work?
Cavalry understands the true value of one's ability to earn an income. It's one of your greatest assets, and for most of us, it provides our lifestyle and deserves to be protected.
For clients who prefer the peace of mind of knowing a significant part of their income is stable and steady — whether they're at work or at home recovering — we offer income protection through disability insurance. Disability insurance guarantees that a portion of your income will still be available if an illness, disease, or injury takes you away from work.
Disability insurance (DI) is designed to replace a portion of your regular income, typically up to 80%, depending on your occupation class.
Most DI coverage protects your ability to perform the duties of your own occupation — not just any job. That means if you worked as a roofer prior to a disability but could still perform a desk job, a true own-occupation policy can still pay a full benefit, since it insures your ability to do your specific job, not just any job you're physically capable of.
Why Get Coverage Before You Need It
The best time to secure disability income protection is before you're sick or injured — here's why.
Apply While You're Healthy
You get the most favorable terms by buying individual disability income insurance before you need it. Once you're too sick or injured to work, you may no longer be able to get the protection you need.
Lock In Your Pricing
Once you have a non-cancellable, guaranteed-renewable policy, the amount you pay monthly is locked in, and the insurance company can never cancel your coverage as long as you make your payments on time.
Secure Coverage Early in Your Career
If you're studying to become a professional — a doctor, dentist, or lawyer — you can apply for coverage before you graduate, with options to increase it as your income grows.
Customize Your Coverage
You can select options to customize your protection, including features that let you increase coverage as your income grows and help it keep pace with the cost of living.
Is Your Income Protected?
Let's talk through what a disabling event would mean for your bills, and whether disability coverage belongs in your plan.
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