622 Mary Street • Warminster, PA 1897

Individual Disability Insurance

Individual Disability Insurance

IDI is ideal for higher salaries and commission-based income

If you had a disabling injury or illness, how much of your income would be at risk? Individual Disability Insurance can provide an additional monthly benefit if you experience a covered disability, so you focus on your recovery — not your finances.

Help protect your lifestyle even if you can’t work

Individual Disability Insurance helps fill the gap

If you earn a higher salary, or rely on bonuses or commissions, you may need additional income protection to provide for you and your loved ones while on leave from work due to a covered illness or injury. Long Term Disability (LTD) is an excellent foundation for income protection; but benefit maximums, uncovered compensation, and taxable benefits may leave higher income earners with a gap in coverage.

How an IDI policy helps you protect your income:


  • Can replace a higher percentage of your income
  • Can cover commissions and bonuses
  • Individually owned, so you can keep the policy if you change jobs
  • Benefits are not offset by Workers’ Compensation and Social Security Disability Insurance payments

How Individual Disability Insurance can help cover expenses

The example below shows how Individual Disability Insurance can help close the gap left by other Disability Insurance. As a higher earner, you may have earnings that aren’t covered by regular Disability Insurance, requiring you to dip into savings or rely on loved ones. Individual Disability Insurance can provide an additional monthly benefit to help you cover your bills and day-to-day expenses without causing long-term damage to your financial health.


*Group Long Term Disability (LTD) plans typically do not cover incentive compensation (i.e., bonus or commissions). Talk with your benefits counselor to confirm LTD covered earnings in your plan provisions.

** Many Group Long Term Disability (LTD) plans are paid for by the employer and may be subject to tax, thereby decreasing the monthly benefit.

Your LTD and IDI benefit maximums may be higher or lower than the illustrated amount. Check with your benefits counselor to confirm the benefit maximums in your plan provisions.

Our Office

622 Mary Street
Suite 300
Warminster, PA 18974

Contact Us

Fax 267-961-1505


Office Hours

Mon-Fri: 9am – 5pm
Sat-Sun: Closed

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