Disability Insurance.

Disability Insurance for High-Income Professionals

For high-income professionals, disability insurance replaces the most important financial asset you own: your ability to generate income. Standard group disability policies — typically capped at 60% of salary with a monthly benefit ceiling — leave a significant income gap for executives and professionals whose compensation exceeds $10,000 per month. Individual disability policies close that gap.

How OnePark Risk Helps

OnePark Risk places individual disability policies for high-earning executives, physicians, attorneys, and business owners with own-occupation definitions that protect your specific professional practice, benefit amounts that reflect your actual income, and non-cancelable provisions that lock in your premium rate regardless of changes to your health. We coordinate individual disability with group coverage to maximize total benefit within carrier participation limits.

Individual Disability Insurance Essentials

• Own-occupation definition protecting your specific professional capacity
• Benefit amounts reflecting total compensation including bonuses and equity
• Non-cancelable and guaranteed renewable policy provisions
• Elimination periods and benefit periods matched to your financial profile
• Residual and partial disability benefits for partial income loss
• Coordination with group disability to maximize total benefit