Safeguard Your Earning Power with OMNI 360 Advisors
At OMNI 360 Advisors, we understand that your ability to earn an income is one of your greatest financial assets. Disability insurance protects that asset by replacing a portion of your income if an injury or illness prevents you from working. As part of our comprehensive life insurance and annuities services, we offer customized disability insurance solutions designed to provide financial stability during life’s most unpredictable moments.
Why Disability Insurance Matters
Many people underestimate the likelihood of becoming disabled during their working years. In fact, according to the Social Security Administration, more than one in four 20-year-olds today will become disabled before reaching retirement age. Unlike life insurance, which protects your loved ones in the event of your death, disability insurance protects you, ensuring that your lifestyle, obligations, and goals don’t suffer due to a temporary or permanent loss of income.
Disability insurance is not just for high-risk professions. Accidents, chronic illnesses, or mental health challenges can affect individuals across every industry. Whether you’re a business owner, employee, or independent contractor, disability coverage provides a financial lifeline when you need it most.
Our Disability Insurance Services
At OMNI 360 Advisors, we tailor disability insurance plans to align with your specific needs, occupation, and financial goals. Our advisors walk you through every step—from evaluating your current risk to selecting and maintaining the best plan for your lifestyle.
1. Short-Term and Long-Term Disability Coverage
We offer both short-term and long-term disability policies, depending on your occupation, financial responsibilities, and existing benefits.
- Short-Term Disability typically covers up to six months of income, ideal for temporary injuries or illnesses.
- Long-Term Disability covers you for an extended period—often until retirement—if your condition persists.
We help you weigh factors like elimination periods (how long before benefits begin), benefit amounts, and coverage duration to find the right balance between affordability and protection.
2. Individual Disability Insurance
Designed for professionals, business owners, and high-income earners, individual disability insurance supplements or replaces employer-provided coverage. It is portable, customizable, and often includes more generous terms.
We work closely with you to ensure your individual plan covers your true cost of living and reflects your long-term financial goals.
3. Group Disability Insurance for Business Owners
If you own a business, offering group disability insurance not only protects your employees but also demonstrates your commitment to their well-being. OMNI 360 Advisors can help you integrate group disability coverage into your company’s employee benefits package—often at a lower premium than individual policies.
We also offer:
- Key Person Disability Insurance protects your business from financial loss if a crucial employee becomes disabled.
- Business Overhead Expense Disability Insurance to cover business expenses if you’re temporarily unable to work.
4. Own-Occupation vs. Any-Occupation Coverage
We specialize in helping high-earning professionals, such as doctors, attorneys, engineers, and executives, choose “own-occupation” coverage—ensuring benefits are paid even if you’re able to work in a different, lesser-paying job.
Many standard policies only pay if you’re disabled from any gainful employment. Our expert advisors explain these distinctions and help you select the right policy to protect your profession-specific income.
Disability Insurance & Annuities: A Strategic Partnership
Disability insurance and annuities work hand-in-hand to support long-term financial security. A disability can derail your retirement planning by reducing your ability to contribute to savings or retirement accounts. Our team integrates disability insurance into your broader annuity strategy, ensuring income continuity and financial independence—even when the unexpected happens.
We’ll help you:
- Assess income replacement needs
- Maintain contributions to annuities or retirement plans
- Protect your estate and long-term financial goals
This proactive planning ensures that a temporary or permanent disability doesn’t disrupt your wealth-building efforts.
How OMNI 360 Advisors Adds Value
At OMNI 360 Advisors, our multi-disciplinary approach means you get more than just an insurance policy—you get a customized financial strategy developed by in-house CPAs, financial planners, and legal advisors.
What Sets Us Apart:
- Integrated Services: We incorporate disability insurance into your larger financial plan, including tax mitigation, estate planning, and retirement income strategies.
- Expert Advisors: Our licensed agents understand the nuances of each policy type and carrier, helping you navigate complex choices with clarity.
- Ongoing Support: We offer policy reviews, claims assistance, and adjustment recommendations as your financial situation evolves.
- Unbiased Recommendations: As independent advisors, we’re not tied to any single insurance provider, so we always act in your best interest.
Common Questions About Disability Insurance
Isn’t Workers’ Comp Enough?
Workers’ compensation only applies to injuries or illnesses that occur at work. Most disabilities, however, happen outside of work, making private disability insurance essential.
How Much Coverage Do I Need?
We typically recommend covering 60–70% of your pre-tax income. Our team conducts a personalized analysis to help you determine the right amount based on your income, expenses, and goals.
Can I Add Riders to My Policy?
Yes! Optional riders can enhance your coverage. Popular options include:
- Cost of Living Adjustments (COLA)
- Future Purchase Options
- Catastrophic Disability Riders
- Residual or Partial Disability Benefits
We explain the pros and cons of each so you can make informed decisions.
Who Needs Disability Insurance?
Disability insurance is essential for:
- High-income professionals who rely on their ability to work
- Small business owners with ongoing overhead expenses
- Families with one primary earner
- Individuals with limited savings
- Young professionals who have decades of income ahead
Don’t wait until a health issue forces the conversation. Disability coverage is most affordable and accessible while you’re healthy.
Get Started with OMNI 360 Advisors
Your earning potential is the foundation of your financial plan. Let OMNI 360 Advisors help you protect it with customized, forward-thinking disability insurance solutions. Whether you’re self-employed, navigating a high-stress profession, or planning your financial legacy, we’ll help you take the next step toward peace of mind and income protection.
We’re here to ensure you’re prepared for life’s uncertainties. With OMNI 360 Advisors, you gain a reliable partner who prioritizes your financial stability, professional future, and long-term personal security.
Ready to protect your future income?
Contact us at 609-452-0889 today for a personalized disability insurance consultation.
