Disability Income
Protect Your Income. Secure Your Future.
What would happen if an illness or injury prevented you from working? Disability income insurance ensures that you have a steady income while you recover—so you can focus on healing, not financial stress.
At Employee Benefit Advocates (EBA), LLC, we help individuals, self-employed professionals, and business owners safeguard their livelihood and financial stability with customized disability income solutions.
Disability Income for Individuals and the Self-Employed.
Protect Your Income. Secure Your Future.
What would happen if an illness or injury prevented you from working? Disability income insurance ensures you have a steady income while you recover—giving you the peace of mind to focus on healing, not financial stress.
At Employee Benefit Advocates (EBA), LLC, we have a proven track record of helping individuals, self-employed professionals, and business owners safeguard their livelihood and financial stability with customized disability income solutions. You can trust us to guide you through the process and provide the support you need.
A sudden illness or accident can happen to anyone. How long could you afford to go without a paycheck? Disability income insurance provides a monthly benefit to replace a portion of your income, helping you maintain financial security when needed.
How Disability Insurance Protects You
✔ Paycheck Protection – Receive income replacement to cover daily expenses and maintain your lifestyle.
✔ Supplement Existing Coverage—Most employer-sponsored long-term disability (LTD) plans cover only 60% of your gross income before taxes, so this fills the gap.
✔ Tax-Free Benefits – When you pay the premiums, any disability payments you receive are not subject to income tax. This means you can use the full amount to cover your living expenses, medical bills, or any other costs that may arise during your recovery.
✔ Customizable Policies – You have the power to structure a policy to fit your specific needs, ensuring the right level of coverage and giving you control over your financial security.
✔ Independence & Security – With disability income insurance, you can avoid relying on family, friends, or savings to cover expenses while you recover, ensuring your independence and financial security.
Disability insurance gives you financial stability when life takes an unexpected turn. The time to protect your income is now.
Disability Income for Small Businesses & Professionals
If you’re a business owner, medical professional, or legal practitioner, disability income insurance ensures that you and your business remain financially secure in case of unexpected illness or injury.
Key Business Disability Coverage Options
✔ Business Overhead Expense Protection – Covers essential operating costs so your business can continue running while you recover, including:
- Mortgage interest or lease payments
- Employee wages
- Utilities
- Business insurance premiums
✔ Disability Buy-Sell Agreements – Provides funding to facilitate a smooth transfer of ownership if a business co-owner becomes disabled, ensuring long-term stability for the company.
A well-structured disability plan protects your income, business, and employees—no matter what happens.
Disability Income for Small Businesses including Medical and Legal Practices provides monthly benefits to replace a portion of the business owner’s income should he/she become disabled due to sickness or accident. Disability income insurance can also provide a business owner, Overhead Expense Protection or can be used to fund a Disability Buy-Sell Agreement.
Business Overhead Expense Protection is designed to protect you as a business owner by providing reimbursement for your business overhead expenses. The benefits will allow your business to continue to operate while you focus on your recovery. The usual benefits include:
- Mortgage interest or lease payments
- Employee wages
- Utilities
- Business insurance premiums
Disability Buy-Sell Agreement provides the funds to effect an orderly transfer of ownership in the event of a business co-owner’s disability.
Disability income insurance products can provide the funds to protect your lifestyle and your business should you suffer an unexpected illness or injury. EBA can help.