Disability Insurance

Protect Your Most Valuable Asset: Your Income!

For most professionals, your ability to earn an income is your greatest financial asset. If an illness or injury prevents you from working, how long could you maintain your lifestyle, pay your bills, or continue saving for retirement?

Disability insurance provides a financial safety net, replacing a portion of your income if you are unable to work. At Cross-Practice, we specialize in own-occupation disability insurance that protects you in your specific field—not just any job.

Why Disability Insurance Is Essential

  • Pay off a mortgage or large debts

  • Replace lost income so your family maintains their lifestyle

  • Fund college tuition or future goals

  • Cover final expenses and estate settlement costs

  • Support business continuity or succession planning

Short-Term Disability

 Covers temporary conditions lasting

weeks to months.

Long-Term Disability

Provides coverage for conditions that last years or

even until retirement age.

At Cross-Practice, we focus on long-term, own-occupation coverage that ensures you’re protected throughout your career.

The Cross-Practice Difference: Own-Occupation Coverage

Not all disability policies are created equal. Many will only pay benefits if you are completely unable to work in any job.

Own-occupation coverage ensures you receive benefits if you can’t perform the duties of your specific profession—even if you could technically work elsewhere.

Example: A surgeon who develops tremors may not be able to operate but could still teach or consult. With own-occupation coverage, they still receive disability benefits.

Key Features of Disability Insurance

  • Coverage to age 67 – Protection until typical retirement age

  • Future income protection – Increase coverage as your income grows, without another medical exam

  • Residual/partial disability benefits – Receive partial benefits if you can work part-time or at reduced capacity

  • Cost-of-living adjustments – Ensure benefits keep pace with inflation

  • Premium waivers – Premiums are waived if you become disabled and are receiving benefits

FAQs About Disability Insurance

How much coverage do I need?

Most people aim for 60–70% of their gross income, enough to cover living expenses while maintaining financial stability.

Isn’t Social Security Disability enough?

 Social Security Disability benefits are difficult to qualify for and often insufficient to maintain your lifestyle. Private coverage ensures reliability.

What’s the best age to get coverage?

 The earlier, the better. Premiums are based on age and health, so applying when you’re younger and healthier locks in lower costs.

Do I need coverage if my employer offers a plan?

 Employer plans often cap benefits, may not cover bonuses or commissions, and may not be portable. A personal policy ensures stability.

Why Choose Cross-Practice?

Protecting your income is personal—and you deserve a partner who understands both the financial and emotional side of that responsibility.

Cross-Practice provides:

  • Over 15 years of experience in life insurance and financial services

  • Licensed professionals with Series 65, 63, 7, and 24 credentials

  • Expertise in own-occupation disability coverage for professionals

  • Guidance that combines technical precision with genuine care for your future

Take the Next Step

Your career is the foundation of your financial plan. Protect it with disability insurance designed for your profession and lifestyle. With Cross-Practice Insurance, you’ll gain peace of mind knowing your income—and your future—is secure.