Disability Income

Injury and Illness Can Wreck the Best Business Plan and Budget

Many businesses can get through a short period of time when an owner or key employee is out of work due to illness or injury. After a while, there can be a negative impact on the business, and especially on budgets (income and expense) and on other owners and employees.

We design plans that will cover the salaries of disabled employees, the overhead associated with their work and in most instances the ongoing cost of temporary replacements (salary and overhead), especially for professional practices. Key person coverage to compensate for the loss of revenue dependent on a disabled employee is also available for both commercial businesses and professional practices.

We work with your legal counsel and accountant to make sure that the Plan is properly established, documented and funded.

As always, after implementation, we establish an agreed schedule to review the Plan to see that it continues to meet goals as well as providing appropriate protection over time.

Our process is not complicated:


Introductory conference call, video or visit


Design a Plan that meets the goals and needs of the parties

a. Business/practice valuation
b. Legal format decision making
c. Documentation and funding


Implementation and maintenance of the Plan.

To set a conference call (phone or video) or in person appointment, contact: