Disability Income
Your ability to earn an income is one of your most valuable assets—yet it’s often one of the least protected. Disability Income Insurance from Riemer Insurance Group provides financial security if illness or injury prevents you from working. Whether you’re a professional, business owner, or household provider, we help ensure that your lifestyle, goals, and responsibilities stay on track even when life takes an unexpected turn.
Typical Risk Scenarios We Help Solve
A back injury limits your ability to work, an illness forces extended time off, or a sudden accident interrupts your career—Riemer ensures your income continues, your bills are paid, and your long-term plans stay intact.
Why Choose Riemer?
At Riemer, we believe disability protection is more than a policy—it’s peace of mind for you and your family. Our advisors take a holistic approach, aligning your disability coverage with your broader financial and personal insurance portfolio.
We partner with top-rated carriers that specialize in high-income and professional disability coverage, offering flexible benefit periods, customizable elimination periods, and competitive rates. Whether you want to supplement employer coverage or build your own protection from scratch, Riemer helps you make confident, informed choices about your financial future.
Who We Cover
Riemer provides personalized disability protection for:
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Professionals and executives who rely on consistent income
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Business owners and self-employed individuals without employer benefits
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High-income earners seeking supplemental protection beyond group plans
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Medical, legal, and financial professionals with specialized occupations
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Individuals planning for long-term financial stability and family security
Core Coverages
Our Disability Income Insurance programs are designed to replace a portion of your income if you become unable to work due to illness or injury. Coverage can include:
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Short-Term Disability – Provides income replacement for temporary disabilities, typically lasting a few months
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Long-Term Disability – Offers extended income protection for serious or permanent disabilities
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Own-Occupation Coverage – Ensures benefits if you can’t perform the specific duties of your current profession, even if you’re able to work in another field
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Partial or Residual Disability – Covers income loss from reduced hours or limited capacity to work
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Cost of Living Adjustment (COLA) – Keeps your benefits aligned with inflation over time
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Future Increase Option – Allows you to increase coverage as your income grows, without new medical underwriting
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Catastrophic Disability Coverage – Provides additional benefits for severe disabilities that impact independence or daily living
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Business Overhead Expense (BOE) Option – For business owners, helps cover operating expenses during disability