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Disability Insurance

Protect the career you worked so hard to build.

For high-earning professionals, your specialized skills and ability to practice are your most valuable assets. You have invested years of education and significant capital into your career trajectory.

If an unexpected illness or injury prevents you from working, an own-occupation disability insurance policy ensures your income stream is protected, so you can focus on recovery without sacrificing your family's financial future.

Aurexx Insurance Services helps professionals across the United States compare individual disability insurance policies from top-rated carriers — with transparent guidance and no pressure.

Own-Occupation Coverage

Pays benefits if you cannot perform your specific professional duties, even if you work in another capacity.

Non-Cancellable & Guaranteed Renewable

Your premiums are locked in and the carrier cannot cancel your policy as long as premiums are paid.

Portable Protection

Your coverage stays with you even if you change employers, go independent, or start a business.

Disability Insurance

Secure your income with precision coverage

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Who needs disability insurance?

The Social Security Administration estimates that more than 1 in 4 of today's 20-year-olds will experience a disability before reaching retirement age. Yet most working Americans have little or no individual disability coverage. The gap is especially significant for:

Physicians & Dentists

Specialized training means a disability that limits your ability to practice your specialty could end your earning potential, even if you can still work in a general capacity.

Attorneys & CPAs

High incomes and lifestyle obligations make income continuity essential. Standard group plans rarely cover the full picture.

Self-Employed Professionals

No employer group plan, no paid sick leave. An individual policy is the only income safety net you have.

Business Owners

Your business may depend on your ability to work. Overhead expense coverage can also protect ongoing business costs during a disability.

Engineers & Tech Professionals

High incomes and long careers make the financial exposure from an uninsured disability substantial.

Families with Mortgages

If your income stops, your mortgage doesn't. Disability coverage protects the financial commitments your family depends on.

How disability insurance works

A disability insurance policy replaces a portion of your income — typically 60–80% — if an illness or injury prevents you from working. Key policy features to understand:

Benefit Amount: The monthly payment you receive while disabled, based on your income at application.
Benefit Period: How long benefits are paid — options typically range from 2 years to age 65.
Elimination Period: The waiting period before benefits begin (30, 60, 90, or 180 days).
Definition of Disability: Own-occupation is the strongest definition. Any-occupation is more restrictive. Most carriers offer a hybrid.
Non-Cancellable: The insurer cannot cancel the policy or raise premiums as long as you pay on time.
Residual Benefit: Pays partial benefits if you return to work part-time but earn less than before your disability.

Frequently asked questions

Answers to the most common questions about disability insurance coverage, policy features, and the quote process.