Disability Coverage for Attorneys: We've Got Your Back
Life can change in an instant. Kandelaki Solutions provides disability insurance designed for attorneys, offering you the security you deserve, so you can focus on what truly matters—your health and your practice.
Why Disability Insurance Is a Must for Attorneys
1 in 4 people will experience a disability before they reach retirement age. For attorneys, the risk is high due to the stress and physical demands of long hours and high-pressure work environments. Without proper coverage, even a temporary disability can lead to significant financial challenges.
Income Protection
Secure your income if you can’t work due to injury or illness, ensuring that you can focus on your recovery, not your bills.
Tailored Coverage
Disability insurance plans designed specifically for attorneys, considering the unique demands of the legal profession.
Financial Stability
Keep your practice running smoothly and safeguard your financial future without the worry of income loss.
How It Works
Simple Process, Powerful Protection
1. Request a Consultation
Answer a few simple questions about your profession and needs.
2. Get a Custom Quote
Receive a personalized disability insurance quote tailored to your career.
3. Choose Your Plan
Select the coverage that fits your income and lifestyle.
4. Stay Covered
Enjoy the peace of mind knowing you're protected.
Comprehensive Disability Insurance for Attorneys
We offer comprehensive, attorney-specific disability insurance to protect your income and peace of mind during unexpected challenges.
Insurance Types Available:
-
- Income Replacement Insurance: Ensures you continue receiving a portion of your income if you’re unable to work due to illness or injury, so you can maintain financial stability while focusing on your recovery.
- Law Firm Overhead Protection: Covers your firm’s operational costs—such as office rent, salaries, and utilities—during your recovery, ensuring your practice remains intact while you’re unable to work.
- Legal Expense Coverage: Helps cover the costs of hiring temporary legal help or outsourcing cases when you’re unable to manage them, so your clients and practice don’t suffer during your absence.
Group vs. Individual Disability Insurance
Understanding the differences between employer-sponsored coverage and individual policies is crucial for comprehensive income protection.
Employer Group Coverage
Short-Term Disability
Typically covers 60-70% of your base salary for 3-6 months, with a 1-2 week elimination period. Often provided at no cost or subsidized by employers.
Long-Term Disability
Usually covers 50-60% of your base salary until retirement age, with a 90-180 day elimination period. Benefits are typically taxable when premiums are employer-paid.
While employer coverage provides a good foundation, it often has significant gaps that can leave professionals financially vulnerable during a disability.
Individual Disability Coverage
Individual disability insurance policies are specifically designed to complement or replace group coverage, providing more comprehensive protection tailored to your specific needs and profession.
Key differences from group coverage:
- Policies stay with you regardless of employment changes
- Benefits typically paid tax-free (when premiums are paid with after-tax dollars)
- Coverage can be tailored with specific riders for your profession
- Higher benefit amounts available, especially for high-income earners
- More favorable definitions of disability for your specific occupation
Individual disability insurance serves as the cornerstone of a comprehensive income protection strategy, filling gaps left by employer coverage and providing protection throughout your career.
Common Gaps in Employer Coverage
Taxable Benefits
Group policy benefits are typically taxable, reducing your actual income replacement to 40-50%.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Job Dependency
Coverage ends when you leave your employer, creating a significant protection gap.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Benefits of Individual Coverage
Portable Protection
Your policy stays with you regardless of job changes or career moves.
Customizable Coverage
Tailor your policy with riders specific to your profession and needs.
Tax-Free Benefits
When premiums are paid with after-tax dollars, benefits are received tax-free.
True Own-Occupation
Get full benefits if you can't work in your specific occupation, even if you work elsewhere.
Employer Group Coverage
Short-Term Disability
Typically covers 60-70% of your base salary for 3-6 months, with a 1-2 week elimination period. Often provided at no cost or subsidized by employers.
Long-Term Disability
Usually covers 50-60% of your base salary until retirement age, with a 90-180 day elimination period. Benefits are typically taxable when premiums are employer-paid.
While employer coverage provides a good foundation, it often has significant gaps that can leave professionals financially vulnerable during a disability.
Common Gaps in Employer Coverage
Taxable Benefits
Group policy benefits are typically taxable, reducing your actual income replacement to 40-50%.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Job Dependency
Coverage ends when you leave your employer, creating a significant protection gap.
Less Favorable Definitions
Group policies rarely include true own-occupation coverage for your specific profession.
Individual Disability Coverage
Individual disability insurance policies are specifically designed to complement or replace group coverage, providing more comprehensive protection tailored to your specific needs and profession.
Key differences from group coverage:
- Policies stay with you regardless of employment changes
- Benefits typically paid tax-free (when premiums are paid with after-tax dollars)
- Coverage can be tailored with specific riders for your profession
- Higher benefit amounts available, especially for high-income earners
- More favorable definitions of disability for your specific occupation
Individual disability insurance serves as the cornerstone of a comprehensive income protection strategy, filling gaps left by employer coverage and providing protection throughout your career.
Benefits of Individual Coverage
Portable Protection
Your policy stays with you regardless of job changes or career moves.
Customizable Coverage
Tailor your policy with riders specific to your profession and needs.
Tax-Free Benefits
When premiums are paid with after-tax dollars, benefits are received tax-free.
True Own-Occupation
Get full benefits if you can't work in your specific occupation, even if you work elsewhere.
Why You Need Both Types of Coverage
The ideal protection strategy combines employer-sponsored coverage with an individual policy to ensure comprehensive income protection during any disability.
What Other Attorneys Say About Our Coverage
Why Choose Kandelaki Solutions?
Protecting What Matters Most
- Expert Knowledge: We understand the unique challenges faced by attorneys.
- Affordable Plans: Tailored options that fit your budget while protecting your future.
- Quick and Easy Process: Simple steps to get you covered, fast.
Frequently Asked Questions
Find the answers you need about disability insurance and how we can help protect your income and future.
While health insurance covers medical expenses, disability insurance replaces your income when you’re unable to work due to an illness or injury. It ensures you can maintain your lifestyle and cover living expenses, even when you’re not earning.
A consultation ensures we provide you with a personalized, accurate quote tailored to your specific needs. Unlike generic calculators, we offer customized coverage options that suit your career and financial situation.
Applying is simple. Just fill out our online form to get a free quote. Our team will work with you to find the right plan based on your career, financial needs, and preferences. No obligation, just a straightforward process to protect your future.
The cost of disability insurance depends on factors such as your occupation, age, income, and coverage options. We offer affordable plans tailored to your needs, with flexible payment options. Contact us for a personalized quote.
The application process is quick and easy. Once you provide the necessary information, we can typically offer coverage within a few business days. Our goal is to get you protected as quickly as possible so you can focus on your work and life.