A disabling event causing an inability to work and earn money can significantly derail the best plans. Loss of income from disabling events can be protected by using disability insurance policies. Access to disability insurance can be found in most employee benefit packages offered by employers. Private disability policies can be purchased if they are not accessible through an employer or to provide additional benefits beyond the employer plan.

High-Limit disability policies can be purchased by individuals who earn significant incomes and cannot buy enough coverage through the employer sponsored plan. Highly compensated individuals such as Physicians, Surgeons, Dentists, Attorneys, and Professional Athletes often look to customize a High-limit disability policy to provide maximum paycheck protection.

Disability benefits can also be found in most Commercial auto insurance policies at a very reasonable rate that will protect the loss of income caused by auto accident.