Disability insurance is designed to provide for periodic payments to replace a portion of your income should illness or injury keep you from earning an income in your occupation. It is not a required purchase like auto or home insurance, but consumers should consider the potential impact of loss of earnings on those they love should they be unable to work for a period of time. Many employers offer disability insurance as a benefit, but the quality of that coverage often leaves the disabled employee short of the protection they need. We can work together to design a plan that works for your individual situation.