Your income is at its highest. Your retirement savings are growing. And your window to replace that income if something goes wrong is exactly 10 years. This is when disability coverage matters most.
The gap nobody talks about
Most disability insurance conversations happen at 35. They should happen again at 55. Your income is higher. Your obligations are different. Your coverage needs to reflect both.
A policy bought at 35 for $4,000 per month may have been right then. At 55 with an income of $180,000, that's a massive gap. A new individual policy or supplemental DI closes it.
The decade from 55 to 65 is often the highest earnings and savings period of a professional career. A disability that stops your income at 58 doesn't just reduce your paycheck — it stops your retirement savings trajectory.
Disability insurance premiums rise sharply with age. Locking in a policy at 55 in good health is substantially cheaper than waiting until 60. The window is open now.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
Or fill out the form below and I'll reach out to schedule.
Tell me a bit about your situation and I'll be in touch within 24 hours.
Common questions