New Jersey TDI pays up to $1,119 a week in 2026, but only for 26 weeks, and Family Leave does not cover your own illness. Here is what each pays and how to close the gap.
New York’s state disability benefit pays at most $170 a week, and Paid Family Leave does not cover your own illness. Here is what each pays and how to fill the gap.
California SDI pays at most $1,765 a week for up to a year in 2026, and many teachers, public workers and business owners have no SDI at all. Here is how to fill the gap.
Group disability often replaces only 30% to 40% of a high earner’s income because of monthly caps. An individual policy you own closes the gap.
Business overhead expense insurance pays your fixed business bills while you are disabled. Disability buy-out insurance funds the purchase of your share if you cannot return.
Disability insurance for optometrists pays a monthly income if you cannot do your own work. Most optometrists are best served by an individual own-occupation policy bought early.
Answer a few questions about your health and I will personally shop 25+ carriers, then call or email you within 24 hours with real numbers, not a ballpark.
