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Disability insurance coverage gap for high-income working professionals: independent insurance broker Analisa Cleland of Coto Insurance and Financial Services in Littleton, Colorado, explains group long-term disability cap limits, individual disability income insurance, worksite-product portability, and the four-part group LTD trap that leaves most buyers catastrophically underprotected. Income Protection Journal Podcast host Jamie K. Fleischner conducted the interview.

She Was Talked Out of a Disability Policy. Here’s What It Cost Her.

June 26, 2026
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Wall Street Journal hedcut stipple illustration of an analog automotive fuel gauge with the needle pinned past the Full mark, illustrating SEP-IRA and solo 401(k) contribution capacity that cannot be exceeded and cannot be funded from disability benefits.

SEP-IRA and Solo 401(k) Contributions Stop During Disability

June 20, 2026
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Painterly editorial still life of scattered paper receipts on a wooden desk, including a restaurant check, rideshare receipts, an Apple Store receipt, and business cards, illustrating the documentation a self-employed buyer presents to a disability insurance underwriter.

Two-Year Schedule C Average Sets the Self-Employed Maximum Benefit

June 19, 2026
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Painterly editorial illustration of an East Asian woman in her late thirties seated at a hot desk in a WeWork-style coworking space with a file box, laptop, and water bottle, illustrating the transition from W-2 employment to 1099 contract work.

Workplace Disability Coverage Ends the Day a Worker Goes 1099

June 18, 2026
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Painterly editorial illustration of a Black male residential contractor in a building office reviewing a project-budget spreadsheet on his computer, with a yellow hard hat, rolled blueprints, and tools on the desk.

Business Loan Disability Coverage Ends When the Loan Ends

June 17, 2026
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Conceptual editorial illustration of a balance scale with two money bags labeled Life Insurance and BLP, illustrating the trade-off between term life and business loan disability insurance as loan collateral.

Business Loan Disability Insurance Covers What Term Life Does Not

June 16, 2026
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MRI imaging scan of the lumbar spine and pelvis showing a visible injury, illustrating the back injury that triggers an SBA borrower's BLP claim.

Personal Guarantee on an SBA Loan Survives Owner Disability

June 15, 2026
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Female attorney age 51 recovering from a back injury, seated with a desk calendar marked at the 24-month elapse line, illustrating the BOE benefit-period ceiling.

BOE Benefit Periods End at the Practice Survival Window

June 14, 2026
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Painterly illustration of a wooden cradle in a sunlit nursery with a folded white coat draped over the rail, evoking the New Jersey GSI Family Medical Leave Suspension Endorsement that pauses Rutgers resident GSI premium obligations.

Family Medical Leave Endorsement Pauses Rutgers Resident GSI Premium

June 14, 2026
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