A disability could be devastating to the financial, professional, and lifestyle goals of any key executive. Employers need to minimize the effect of both the cost of coverage of executives and the effect of a disability on the company, weighing their choices carefully, balancing cost and administration burdens with adequate coverage and return-to-work incentives.

Houghton Financial Partners offers Disability Income protection plans that help to recover a portion of your income in the event that you become disabled and cannot work. As many employer-sponsored plans are designed to replace only 50% to 70% of your income, we provide services to analyze a client’s employer plan, ensure you—the client—have adequate protection, and advise you on the benefits of purchasing an individual policy.

We provide individual disability for key executives, group carve-out, and short- and long-term group disability plans. Being prepared with the right protection can make a big difference.