Products & Services
Disability Insurance
Income protection for the unexpected.
Disability coverage can help replace a portion of earnings when an illness or injury interrupts work. We help employers and individuals consider protection that aligns with their responsibilities and financial goals.
Short-term vs. long-term disability
Disability coverage comes in two forms that work together. Short-term disability bridges the gap immediately after an illness or injury. Long-term disability takes over when a condition extends beyond weeks into months or years. Most comprehensive benefits programs include both.
Short-Term Disability (STD)
Typically replaces 60–70% of income for a benefit period of 13 to 26 weeks. Coverage begins after a short elimination period, often 7–14 days.
Long-Term Disability (LTD)
Kicks in after STD benefits are exhausted. Benefit periods range from two years to age 65. Replaces 50–70% of pre-disability income.
Group Disability
Employer-sponsored coverage offered to all eligible employees. Premiums are often employer-paid or shared, making it a high-value, low-friction benefit.
Individual Disability Insurance (IDI)
Portable, non-cancelable coverage owned by the individual. Critical for business owners, physicians, and executives whose income exceeds group plan limits.
Business Overhead Expense (BOE)
Covers fixed business expenses — rent, payroll, utilities — while the owner is disabled. Keeps the business running while the owner recovers.
Key Person Disability
Pays the business a benefit when a key employee or owner becomes disabled, funding the cost of replacement or business continuity measures.
Who this is for
Employers building a competitive benefits package
Group disability is a foundational benefit. Employees rank income protection among their top financial concerns — offering it signals that the employer takes that seriously.
Business owners with personal income at risk
If the business stops generating revenue when you stop working, individual disability insurance is not optional — it is the plan.
High-income professionals
Group plans cap benefits at a dollar amount that often falls well short of a physician's, attorney's, or executive's actual income. Individual coverage fills the gap.
Companies with key-person concentration risk
When one or two people drive a disproportionate share of revenue, key person disability coverage is a straightforward risk management tool.
How SilverStone helps
We design disability programs for employer groups and individuals. As an independent broker, we compare elimination periods, benefit periods, own-occupation definitions, and residual benefit riders across multiple carriers — then recommend the structure that fits your workforce, your budget, and your risk profile.
Income and exposure analysis
We map the income at risk — individual, key person, or group — and identify gaps between what existing coverage provides and what a disability would actually cost.
Carrier and contract comparison
We quote STD, LTD, and IDI across A-rated carriers and compare definitions of disability, benefit triggers, exclusions, and rider options side by side.
Plan design and enrollment
We structure the plan, coordinate employer contributions, and support enrollment communications so employees understand what they have and why it matters.
Annual review
We revisit coverage at renewal and at key business events — ownership changes, compensation adjustments, headcount growth — to keep the program current.
Is your income protected if you can't work?
Most disability claims are not from accidents — they are from cancer, heart disease, and musculoskeletal conditions. A 30-minute conversation with SilverStone will tell you exactly where your exposure is.
