Protect the income everything else depends on
You insure your home, your car, and your life — but the income that pays for all of it is often left unprotected. Disability insurance helps replace a portion of your income if an illness or injury keeps you from working, so the life you’ve built can keep going even when you can’t.
Get a disability insurance quote
Start an online disability insurance quote and application through Breeze using Omega Multi Services’ authorized agent link, or request personal help. Eligibility, pricing, approval, benefits and coverage are determined by Breeze and its issuing carrier and are subject to underwriting.
What disability insurance is
Disability insurance replaces a portion of your income when a covered illness or injury prevents you from working. It is income protection — separate from health insurance, which pays medical bills, and from life insurance, which pays a death benefit.
Why your income is your biggest asset
For most working adults, the ability to earn an income is worth far more than their home or car. A disability that interrupts that income can cost more over time than a single major property loss.
Short-term vs. long-term disability
Short-term disability covers a disability lasting weeks to a few months. Long-term disability can cover disabilities that last years, or even until retirement — the two solve different problems.
Own-occupation vs. any-occupation
The definition of disability matters. “Own-occupation” pays benefits if you can’t work in your own profession, while “any-occupation” pays only if you can’t work in any job. The definition affects both protection and price.
Elimination period and benefit period
The elimination period is the waiting period before benefits begin — similar to a deductible. The benefit period is how long benefits are paid once the elimination period is satisfied. Longer benefit periods cost more but protect against disabilities that last years.
Group vs. individually owned
Workplace disability coverage often ends when employment changes and may replace less of your income than you expect. An individually owned policy stays with you wherever your career goes and lets you control the benefit amount and terms.
Get your disability quote online with Breeze
Breeze offers an online quote and application path for disability insurance, so you can explore income protection at your own pace. Omega Multi Services is an authorized Breeze agent — start online, and reach out to us whenever you want personal help. Eligibility, pricing, approval, benefits, and coverage are determined by Breeze and its issuing carrier and are subject to underwriting.