Who this is for
- Physicians, dentists, attorneys, and other high-income professionals
- Commissioned or incentive-driven producers
- Business owners with variable income
- Anyone whose pay sits well above a group LTD cap
Income Security
Protect your earning power.
Disability insurance planning for physicians and professionals whose income depends on their ability to practice at a high level.
Where to start
Know what group coverage actually replaces.
Employer coverage often protects only part of base income, is capped, and may not reach the parts of compensation that matter most.
What we review
- Employer LTD formula and monthly cap
- Uncovered bonus, commission, or business income
- Taxable versus tax-free benefit treatment
- Own-occupation definitions and supplemental design options
Income gap calculator
Estimate your monthly income gap when employer benefits cover only part of base compensation, have income limits, and can be taxable when paid.
Model an employer disability gap
Use this as a planning estimate for what an employer disability benefit may actually replace after taxes, caps, and uncovered variable income.
Employer benefit modeled at 60.0% of base income, capped at $10,000 per month.
Assumed to be uncovered by the employer plan.
Employer plan assumptions
Default assumption: employer-paid disability benefits are taxable when received.
- 60.0% of base income
- Maximum monthly benefit of $10,000
- No coverage for commission, incentive, or business income
- Benefit treated as taxable income
Estimated monthly gap
$0
Run the calculator to see how much income may still need to be replaced after taxes, caps, and variable compensation are considered.
Current monthly income
$0
Base income plus commission, incentive, or business income before any disability plan limits apply.
Gross employer benefit
$0
Modeled at 60.0% of base income, subject to the monthly cap.
After-tax employer benefit
$0
The amount left after applying the estimated tax rate to an employer-paid benefit.
Annualized income gap
$0
The approximate annual gap between current income and the modeled after-tax employer benefit.
Net income replaced
The portion of current monthly income effectively replaced by the after-tax employer benefit.
Uncovered variable income
$0
Monthly commission, incentive, or business income not covered in this employer-plan estimate.
Planning note
A typical employer plan can look stronger on paper than it feels in practice once caps, taxes, and uncovered variable compensation are accounted for.
- Use the result to frame whether supplemental individual coverage deserves a closer look.
- Focus on the income your household actually relies on, not just the salary line on a benefits brochure.
Actual plan definitions, offsets, taxation, and policy design can all change the outcome. This is a starting point for discussion.
Want to talk through what this gap means for your situation?
Request a consultationUse the result
Use the gap as a planning starting point.
A calculator can help set the benchmark. A conversation helps decide how a gap like this should actually be addressed.
Common blind spots
- Assuming a 60% group benefit means 60% of take-home pay
- Overlooking the impact of taxable employer-paid benefits
- Ignoring compensation above the monthly cap
- Treating bonus, commission, or business income as if it is covered
What you leave the first meeting with
- A summary of current coverage and key gaps
- A clearer view of which risks matter most
- A planning target or benchmark to work from
- A recommended next step, if deeper review makes sense
Questions people usually ask first
- Is group disability coverage usually enough on its own?
- Does production or bonus income count toward benefits?
- What happens to this coverage if I leave my employer?
Matched perspective, not a generic handoff
The first meeting is with you and a member of our advisor network whose perspective best fits the issue at hand.
Is your income as protected as your career deserves?
A short conversation can help you see how your current coverage compares to what your earning power actually requires.
Request a Consultation