Personal Disability Insurance | Employee Benefits | San Rafael | Marin

Personal Disability Income Insurance

I can assist you with purchasing the right personal disability income insurance to ensure your most valuable asset — your income. Disability income insurance is one of the most important components of any financial plan. It helps assure that you and your family will have enough income to live on if you should become disabled.

Why purchase personal disability income insurance?

California State Disability Income (SDI) provides 55-60% of your weekly earnings, up to a maximum weekly benefit (adjusted periodically), for up to one year of disability. Federal Social Security Income is very difficult to qualify for, and it may not be enough to support you and your family. Personal disability income insurance could be the most important insurance product you purchase, other than medical insurance.

You may want to purchase personal disability income insurance if you are:

  • Self-Employed
  • Partner in a partnership
  • A high income earner who is not sufficiently covered (underinsured) by your firm’s Group Long Term Disability plan

I can put my years of experience to work and advise you of the right insurance plan for your situation. Following are some of the things you may want to consider:

  • It is important to purchase the “guaranteed future insurability” feature, which means that while you are working, you can increase the policy’s monthly disability income benefit as your salary grows, without needing to provide new evidence of medical insurability.
  • Purchasing the “cost of living adjustment” rider, or COLA. This feature increases the benefit amount (usually 4%) when the insured is disabled and collecting benefits, to keep pace with inflation.

For more information about personal disability income insurance, and to get a personalized quote, please contact me, Cristy Jones, at Cristy Jones Insurance Services: (415) 460-1200 or email:

Employee Benefits | San Rafael | Marin_12b