Disability and Long Term Care
Disability or Long-Term Care — Be Ready for Life’s What-Ifs
Planning for life’s uncertainties is just as important as planning for retirement. A sudden illness, injury, or long-term care need can derail your finances and put added stress on your loved ones. Having the right protection in place ensures you can maintain your dignity, independence, and quality of life—no matter what the future holds.
At Legacy Talk with Alex, our licensed professionals help you design a personalized strategy that includes disability income protection and long-term care solutions, tailored to your lifestyle, career, and health outlook. Whether through standalone policies or as riders to your life insurance, we’ll guide you in building a plan that preserves your income and supports your future care needs.
Protect your health, your income, and your legacy—start planning today!
🔐 Disability Insurance: Protect Your Income When Life Happens
Disability Insurance provides a monthly income if you become unable to work due to a covered injury or illness. Whether you're a business owner, employee, or self-employed professional, your ability to earn income is one of your most valuable assets—and it deserves protection.
Two Ways to Access Disability Coverage
1. Standalone Disability Insurance Policy
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What it is: A separate, dedicated insurance policy.
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What it covers: Replaces a portion of your income if you can’t work due to disability (short-term or long-term).
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Best for: Individuals looking for comprehensive, customizable coverage.
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Providers: Guardian, Mutual of Omaha, Principal, MassMutual, and more.
2. Disability Income Rider on a Life Insurance Policy
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What it is: An optional add-on (rider) to a permanent life insurance policy such as Whole Life or Indexed Universal Life (IUL).
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What it covers: Pays a monthly benefit if you become disabled, often waives premiums while you’re disabled.
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Best for: Clients who want basic income protection built into their existing life insurance.
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Available with: Many IUL or Whole Life products from carriers like TransAmerica, Nationwide, Pacific Life, and others.
Why It Matters
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Income protection during your working years
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Helps you keep up with bills, mortgage, and lifestyle costs
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Supports your family if your ability to work is affected
At Legacy Talk with Alex, we help you explore both standalone policies and add-on riders so you can make an informed decision based on your occupation, health, and budget.
🛡️ Long-Term Care & Living Benefits
Modern life insurance provides more than just a death benefit. With Living Benefits, you can access your policy while you're still alive—offering financial support during serious health events.
How They're Offered:
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As riders on permanent life insurance (e.g., IUL, Whole Life)
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As standalone policies for comprehensive long-term care coverage
What They Cover:
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Chronic Illness / Long-Term Care
You may qualify if you're unable to perform 2 of 6 Activities of Daily Living (ADLs)—such as bathing, dressing, eating, toileting, transferring, or continence—or if you're diagnosed with a cognitive condition like Alzheimer’s. -
Terminal Illness
Eligibility if you’re diagnosed with a terminal illness and have a life expectancy of 12 to 24 months or less. -
Critical Illness
You can access benefits if diagnosed with a serious condition such as a heart attack, stroke, cancer, major organ transplant, kidney failure, or paralysis.
Why It Matters:
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Access cash when you need it most
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Protect your income, savings, and independence
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Reduce the financial burden on loved ones
At Legacy Talk with Alex, we help you set up customized protection with Living Benefits that support your life—before and after retirement.
