Mobile Menu Toggle Request a Quote
Unused life vest symbolizing disability insurance coverage and disability financial protection gaps when income stops and disability benefits are delayed.

The Gap Between Disability Awareness and Real Risk

December 26, 2025
Read More
Illustration showing underestimation of income risk and top-heavy household finances, highlighting disability insurance plans, disability insurance policy structure, elimination period, waiting period, benefit period, exclusions, social insurance limits, accident insurance gaps, disability insurance providers, disability insurance quotes, and State Farm disability insurance considerations

When Workers Underestimate Disability Risk, Income Loss Follows

December 24, 2025
Read More

Why Midlife Income Protection Depends More on Timing Than Assets [Podcast]

December 16, 2025
Read More
Chart from The Income Protection Podcast episode showing the projected “income asset” or human life value of a 35-year-old high-earning professional, with lifetime earnings approaching $20 million, illustrating the core argument behind individual disability insurance, own-occupation coverage, and income protection planning. The graph demonstrates how future income is a multi-million-dollar financial asset that must be insured to prevent catastrophic loss, especially for physicians, dentists, attorneys and other specialists who rely on their ability to work. The episode uses this visual to explain why employer long-term disability plans often fall short, why supplemental disability insurance is essential, and how income-loss scenarios expose large coverage gaps that put financial plans at risk. Listeners are encouraged to hear the full discussion on income protection strategies, disability risk, coverage design, and the importance of visually modeling lifetime earnings.

Most High-Income Professionals Are Underinsured — And Don’t Realize It [Podcast]

December 9, 2025
Read More
Editorial illustration symbolizing disability insurance coverage gaps and delayed benefits, using a fractured pocket watch over a paycheck to represent income disruption during long federal disability waits.

Longer Delays in Federal Disability Decisions Expose Employer Disability Insurance Coverage Gaps

December 5, 2025
Read More
COLA Riders disability insurance

Disability Insurance COLA Cost of Living Rider: Is It Worth It?

September 10, 2025
Read More

MassMutual Announces Disability InsuranceRadius Choice® and RetireGuard® Occupational Class Upgrades

April 1, 2025
Read More

Can You Pay Your Disability Insurance Premium by Credit Card?

March 6, 2025
Read More

Understanding the Residual Rider on an Individual Disability Insurance Policy

January 21, 2025
Read More

Get Set Today

Let Set for Life help you quickly and easily determine which insurance will give you the protection you need.