Bethesda, Rockville, and Columbia are home to thousands of tech professionals earning $150,000 to $300,000 with minimal or no individual disability income coverage. That's an income risk most haven't calculated.
The gap nobody talks about
Maryland's cybersecurity, biotech, and federal IT contracting sectors employ thousands of high-earning professionals. Most rely on employer group plans that cover a fraction of their actual income.
Federal contract work in Maryland can be disrupted by budget cycles and clearance reviews. A disability on top of a contract interruption creates a compounding income crisis. Individual DI is unaffected by employer disruptions.
A cybersecurity professional earning $220,000 in Maryland with group LTD at 60% of base receives $132,000 per year in benefits. After taxes, that's roughly $8,500 per month to cover a Maryland household that was spending $15,000 per month.
A Maryland biotech engineer or cleared cybersecurity analyst with a decade of specialized training should have own-occupation disability coverage. Standard policies don't always provide it.
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