Safeguard Your Most Valuable Asset - Your Income

Imagine being unable to work tomorrow. Would your income stop immediately? How long could you afford to live without a paycheck 3 months, 6 months, 2 years? If the thought creates anxiety, you're not alone and that’s exactly what Disability Income Protection is designed to solve.

At L&M Financial, we help you plan for the “what ifs” of life so that an injury or illness doesn’t derail everything you’ve worked hard to build. Disability insurance replaces a portion of your income if a medical condition prevents you from working, giving you and your family financial breathing room when you need it most.

Why Individuals and Families Choose Disability Coverage

Most people insure their homes and cars, but forget to insure their ability to earn the very thing that pays for those assets. A sudden disability can mean unpaid bills, drained savings, or even loss of a home. According to the Social Security Administration, 1 in 4 Americans in their 20s will become disabled before retirement.

Real-Life Example:

Sarah, a 38-year-old school teacher in Illinois, developed a severe autoimmune condition that kept her out of work for over a year. Her disability income plan helped cover her mortgage, utilities, and basic needs until she recovered without needing to sell her home or exhaust her retirement savings.

Our Disability Insurance Options

We customize coverage to your profession, income, and lifestyle ensuring maximum protection while keeping your premiums reasonable.

• Short-Term Disability Insurance
  

  Ideal for covering temporary injuries or illnesses (typically up to 6 months). Great for maternity leave, surgeries, or recovery periods.

• Long-Term Disability Insurance
  

  Essential for prolonged conditions such as cancer, heart disease, or chronic injuries. Coverage can last for years or until retirement age.

• Own Occupation Policies
  

  Protects professionals like doctors, attorneys, or contractors by covering them if they cannot perform their specific job duties even if they can work elsewhere.

• Individual Disability Insurance
  

  Paid with after-tax dollars, so benefits are received tax-free. Fully customizable and portable your policy goes with you if you change jobs.

Our Expertise, Your Peace of Mind

Let’s build a safety net that protects your income, lifestyle, and family’s future.

Get Started Today

Call us at +1 847 519 1154 or contact us for a free consultation.

At L&M Financial, we make sure your income is protected no matter what life throws your way.