Disability Insurance

Group disability is free — and taxed, capped, non-portable, and base-salary-only. The honest comparison, real math on a $150k earner, and the layering strategy.

Same premium, opposite outcomes. How own-occupation, transitional, and any-occupation definitions behave at claim time, who should pay up, and what it costs.

Forget the 60% slogan — calculate your real disability coverage need in 10 minutes. Tax-free benefit math, carrier caps, and what each benefit level costs in 2026.

Self-employed? You’re insurable — if you handle the income-proof problem right. Tax-return strategy, real 2026 rates, policy design, and BOE coverage explained.