The Difference Is In The Details

3 minuet read


Ask yourself: If an injury or illness left you unable to work, how would you pay your bills? Disability income insurance protects a portion of your income should the worst happen. 

"Your income is the most valuable thing that we have, It's important enough for us to protect it before anything else." - Bill Olmstead, VP at Financial Balance Group in Rockville Maryland. 

Disability income benefits protect your ability to continue living life in the event of an injury or illness.


Disability insurance policies replace a percentage of your income, meaning there is a maximum amount. Generally speaking some policies might cover 60% of your salary if you're making $5,000 per month.

A disability policy may offer replacement coverage depending on one's earnings level - so Income is one of the most crucial determining factors on how much your physician-specific policy will cost. Which is why it is important to keep in mind that although you may be eligible for a maximum amount that is not always the benefit amount you need or will want. 

When thinking about how much coverage you are going to need you should try to determine how much money you would need every month to keep up your lifestyle with no dramatic changes.

The amount you calculate can help determine your ideal benefit amount. Coverage amounts can also be determined based on your group coverage benefits as well.


The benefit period is the length of time an insurer will pay you disability benefits while they are disabled. The length of your coverage depends on what type it offers, i.e., long-term or short-term and if there's a gap in between periods where one plan ends but another has not started yet. Longer term plans usually last until age 65, with some extending to two years after retirement for those still working at that point who then become ill again later in life without any other form of insurance covering them through their employer during this transitional phase as well.


All long-term disability insurance policies have a waiting period before you can receive the benefit. The most common elimination period is 90 days, but it ranges from about 60 to 365 days in length. This means that you must be disabled for this specified time before any benefits will begin being paid out to cover your income loss during your recovery process or temporary absence due to injury/sickness.

If you choose a shorter elimination period, it will increase the cost of the policy. But if you’re more open to some risk and want to save money on your premiums, choosing a longer elimination period is an option!

At Pattern, we believe that getting disability insurance shouldn’t be complicated, our 3 step process makes getting disability insurance quick and easy so you can have one less thing on your to-do list!

How It Works

Request Your Quotes

Fill out a simple quote request form and we will get your quotes from the Big 5 own-occupation providers!

The quote requests will take less than 10 minutes and help you to get the best policy options.

Compare Your Options

Talk with us online to compare your quotes, and go over your options in order to purchase the best policy for you.

Our agents will help you to compare your options so you can understand what you are buying in order to give you confidence and peace of mind in your policy.

Buy Risk-Free

Let us handle the boring insurance paperwork so you can get back to doing what you love!

After you choose which company you would like to purchase your policy from, we will finish the rest to make sure you are insured.

Get Started By Requesting Your Quotes