Your ability to earn a paycheck is likely your most valuable asset — worth millions over a career — yet it's the one most people never insure. Disability insurance replaces a share of your income if illness or injury stops you from working. See how much of your earning power is on the line.
Replaces 60–70% of income · Often tax-free · Portable coverage · No cost to compare
Set your income and age to see the future earnings disability insurance is designed to protect — and the monthly benefit a typical policy would target. Educational estimate only.
Rough numbers are fine — we tailor the real quote to your situation.
Earning power assumes ~3% annual raises to age 65. Benefit target uses a typical 60% replacement ratio — actual issue limits vary by insurer and occupation.
Illustrative only — not a quote or guarantee. Actual benefit amounts depend on insurer issue-and-participation limits, your occupation class, other coverage, health, and policy design. We build the real numbers with you.
Health insurance covers your medical bills. It does nothing for the income that keeps the household running. That's the gap disability insurance fills.
Could you keep making housing payments with no paycheck?
How long could your family hold their standard of living?
Would you be forced to drain accounts meant for later?
Health coverage pays the doctor — not your lost income.
Replaces up to 60–70% of pre-disability income so essential bills keep getting paid.
Benefits are often income-tax-free when you pay the premiums with after-tax dollars.
Portable coverage stays with you if you change jobs — unlike most group plans.
90% of long-term disabilities come from illness — not accidents — so no job is truly exempt.
Click through each type to see how it works and who it's built for — most strong plans layer more than one.
These are the details that separate a real income-protection plan from a checkbox one. We'll help you choose what's worth paying for.
The wait before benefits begin. Longer waits (90–180 days) lower premiums — match it to your emergency savings.
How long benefits pay — from 2 years to age 65 or longer. Longer periods mean more security for a serious claim.
Grows your benefit with inflation each year — critical when a disability lasts many years.
Raise coverage as your income grows — no new medical underwriting. Ideal for rising professionals.
Pays a partial benefit if you can work but earn less while recovering — a real-world lifeline.
Locks in your policy and premium — the insurer can't cancel or raise rates while you pay on time.
Anyone whose family depends on their paycheck should protect it — but a few groups have the most on the line.
Physicians, surgeons, dentists, and nurses with specialized skills and high incomes to protect.
High earners with significant financial obligations and career-specific expertise.
Entrepreneurs and self-employed professionals without employer-sponsored benefits.
Anyone whose family relies on their income for the mortgage, bills, and daily life.
Engineers, developers, and IT specialists with high-demand, specialized skills.
Early-career earners — when coverage is most affordable and future income is greatest.
Michael Oskouian, Co-Founder of First Underwriters Insurance Brokers, has helped professionals, business owners, and families protect their income for more than three decades. As an independent broker, he compares true own-occupation coverage across A-rated carriers to build the right policy — not just the first one offered.
"People insure their cars and their homes but forget the engine behind all of it — their income. My job is to make sure that if your paycheck ever stops, your family's life doesn't have to."
— Michael Oskouian, MBA, ARM, CRM, CIC, LUTCFTell us a little about you and we'll build a personalized disability insurance quote. No cost, no obligation.
We'll review your information and reach out with a personalized disability insurance quote.
First Underwriters Insurance Brokers · Protecting Income since 1992 · Kirkland, Washington. The estimator and content on this page are educational only and are not a quote, a contract, or financial, tax, or medical advice. Actual disability benefit amounts, definitions, and eligibility are set by the issuing insurer and depend on your occupation class, income, other coverage, health, and the policy you choose. Statistics shown are general industry figures. Guarantees are subject to the claims-paying ability of the issuing insurer.
