Many times high income individuals have occupations that come with unique risks. And standard individual and group disability insurance are not enough to compensate the individual for the substantial loss of income due to injury or illness.
Athletes
Entertainers
Executives
Physicians
Temporary Total Disability (TTD)
Monthly benefits for a specific period of time when a temporary injury or illness occurs.
Permanent Total Disability (PTD)
Lump-sum benefit in event of a career-ending injury or illness.