Your group plan covers 60% of base salary. Your actual income is much larger. Income protection built for how tech founders actually get paid.
The gap nobody talks about
A Series A founder earning $300k in base plus $200k in expected RSU value plus a performance bonus has a compensation structure that group DI was never designed to protect. A 60% of salary benefit on base alone leaves you severely exposed.
Your group plan calculates the benefit on base salary only. RSUs, options, carry, and annual bonuses are excluded. For a founder where base is 50% of total comp, a group plan covers half the income and claims to cover the whole thing.
If you're the primary technical or operational driver of your startup, your disability is a business event. Your personal DI needs to cover your living expenses while the business figures out how to continue without you. That's a different calculation than an employee's DI need.
Group DI typically has a 90-day elimination period (the wait before benefits start). Many founders push through illness, return early, or don't qualify because they're technically 'working.' An own-occupation individual policy with a medical-definition standard is cleaner.
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.
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Common questions