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Disability Insurance
Empowering Salon and Spa Professionals to Easily
Access the Insurance Benefits They Deserve.
No Matter Where You Rent From or Work, You’re in Control
We make it easy for you to apply directly and take charge of your benefits. You don’t need to go through the place you rent
from or work to get your insurance benefits. Whether you're self-employed, renting or working as a contractor, your benefits
go with you wherever your career takes you. Choose the coverage that fits your needs.
Could you maintain your lifestyle and cover your everyday expenses if you were suddenly unable to work? Disabilities can happen unexpectedly, and your income could drop significantly. PROTECT YOUR INCOME TODAY >
Below are highlights and an income chart to help you find your tax-free benefit amount.
Key Benefits:
➤ Plan ahead—Be protected before an accident, injury, illness, surgery, or pregnancy occurs
➤ Rates do not increase as you age
➤ Rates do not increase if you file a claim
➤ 24/7 protection—you’re covered both on and off-the-job
➤ Short waiting period—your choice of when your benefits begin: after just 7 or 14 days
➤ Choose your tax-free monthly benefit from $400 to $7,500
➤ Your disability benefits are not taxable—receive your checks completely tax-free
➤ Available to owners, renters, contractors, and employees
➤ Simple enrollment process—apply online in just 15 minutes
➤ Easy monthly payments—your credit card is billed on the 1st of each month
➤ You must be working at least 20 hours per week to apply
➤ You can cancel anytime
➤ Portable coverage—you can keep your plan if you move to another state or change jobs
➤ Benefit periods available—your choice of 3, 6, or 12 months of coverage per claim
➤ Pre-existing conditions may be covered after having your policy for 12 months
➤ Receive 100% of your monthly benefit for off-the-job incidents
➤ Receive 50% of your monthly benefit for incidents that occur at work
➤ You must be under a doctor’s care and not working at all to qualify for benefits
➤ Maternity leave is available after 9 months of active coverage:
• Up to 5 weeks paid for natural childbirth
• Up to 7 weeks paid for C-section
➤ Instant quotes available—just let us know your gross income for 2024 (before taxes and expenses), and we’ll provide your quote.
Sample Rates
Your Annual Gross Income
- 150,000
- 140,000
- 130,000
- 120,000
- 110,000
- 100,000
- 90,000
- 80,000
- 70,000
- 60,000
- 50,000
- 40,000
- 30,000
- 20,000
- 10,000
Your Monthly Tax-Free Benefit
- 7,500
- 7,000
- 6,500
- 6,000
- 5,500
- 5,000
- 4,500
- 4,000
- 3,500
- 3,000
- 2,500
- 2,000
- 1,500
- 1,000
- 500
Your Approximate Weekly Rate
- 45.00
- 42.00
- 39.00
- 36.00
- 33.00
- 30.00
- 27.00
- 24.00
- 21.00
- 18.00
- 15.00
- 12.00
- 9,00
- 6.00
- 3.00
If you are on a cell phone, please turn your phone horizontally to see columns display properly
The weekly rates shown are approximate. Your actual rate may be lower or higher and will be determined once you customize your plan. Rates depend on factors such as your age, state, benefit period, and elimination period. Please contact us for your exact rate. You can choose any monthly benefit amount up to your annual gross income limit. If your income increases, you may apply for a higher monthly benefit if you wish.
For cost and complete details, please contact a representative.