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Will your disability coverage actually replace your income?
Group LTD plans cap out and quietly leave higher earners underinsured. See your real gap in under a minute.
Group LTD plans cap out and quietly leave higher earners underinsured. See your real gap in under a minute.
See how much of your income a group plan really replaces, and the gap a top-up would fill. Nothing you enter is saved or sent.
Group plans usually replace about 60% of income up to a monthly cap. For higher earners the cap bites first, so the benefit can work out to far less than 60% of what you actually earn. A top-up policy fills that gap.
Generally, if your employer pays the premium the benefit is taxable; if you pay it yourself with after-tax dollars, the benefit is usually tax-free. That difference matters when you compare what a plan really replaces.
It defines when you count as disabled. A strong own-occupation or regular-occupation definition pays if you cannot do your specific job, not just any job, which matters a lot for business owners and specialists.
These numbers are a starting point, not a plan. Book a 15-minute clarity call and we will work through your real situation together. No cost, no obligation, and I promise I will not try to sell you anything.
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