Disability Insurance in California — Protect Your Paycheck and Your Business
Your ability to earn income is your most valuable asset. SDIA Insurance helps individuals protect their income if they become unable to work due to illness or injury — and helps business owners protect their businesses by covering ongoing business expenses during a disability.
What's actually going wrong with your disability insurance.
You'd be in trouble if your paycheck stopped
Individual disability insurance replaces a portion of your income if you can't work due to illness or injury.
Your employer's group disability isn't enough
Group LTD typically replaces 60% of base salary, capped, and is taxable. Individual disability layered on top closes the gap.
You're a business owner who can't afford to be down
Business Overhead Expense (BOE) coverage pays rent, payroll, and fixed expenses so your business survives a disability.
Your small group needs disability benefits
Small Group Disability adds a competitive employee benefit at a manageable cost.
Get clarity on your disability insurance options.
Independent California agency, 18+ years experience, every major carrier compared in one call.
The SDIA approach.
SDIA Insurance places Individual Disability Insurance, Small Group Disability Insurance, Income Protection Coverage, and Business Overhead Expense Coverage across California. We work with Principal, Guardian, MassMutual, Mutual of Omaha, Ameritas, and other top disability carriers — selecting the policy with the right definition of disability, benefit period, and elimination period for your situation.
Individual Disability Insurance
Replaces a portion of your income if illness or injury keeps you from working. Tax-free benefits when premiums are paid with after-tax dollars.
Small Group Disability Insurance
Voluntary or employer-paid disability benefits for your team — a powerful recruiting and retention tool.
Income Protection Coverage
Specialty income protection for high-income professionals, business owners, and commission earners.
Business Overhead Expense
Covers rent, utilities, payroll, and other fixed business expenses while the owner is disabled — keeping the business alive.
California's high cost of living means a disability is even more financially devastating here than in lower-cost states. SDIA Insurance designs disability coverage sized to real California income and expense realities, statewide.
Frequently Asked Questions
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