Individual Disability Income

If you became too sick or injured to work, you’d be thrown significantly off course. It would prevent you from working and bringing home a paycheck. And without a paycheck, how long could you pay your rent or mortgage and utilities, buy groceries, make student loan payments, etc.?

Your income is the primary source of funding for a lifetime of things, from basic necessities to the hopes and dreams you have for yourself and those you love. Think about the value of your income not just now, but over your entire lifetime. Today’s 30-year-old earning $85,000 a year will earn $6.4 million by age 70, assuming only 3% annual increases. Your income is in fact a multi-million dollar asset.

Why Individual Disability Income Insurance?

   – Income protection can help: Disability income insurance (DI) can help replace your income if you become too sick or hurt to work during a period of more than a few months. This important coverage can help you maintain as much of your current living standard as possible.

   – Why true own-occupation: Guardian’s true own-occupation definition of total disability¹ makes it possible for you to work in another occupation and still be eligible for total disability benefits. And, if you are a dentist who has limited your occupation to the performance of the duties of a single dental specialty, we consider that specialty to be your occupation.² This is very important because if your disability were such that you still had the energy and interest in going back to work in some other capacity and earning an income, you could still do so without jeopardizing your total disability benefit. There is no stronger definition for income protection available anywhere in the disability industry. And this type of protection is particularly important for dentists.

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