Individual Disability Insurance

Individual Disability Insurance

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Plan for unexpected disruptions to your income

Having the ability to work and earn a living is a valuable part of who you are. Let us help protect your income in case of a debilitating injury so that you can focus on what matters—getting better, being with your family, and planning your future. 

COPIC Financial Service Group can help by determining adequate coverage to ensure your family, your assets, and your overall lifestyle is properly covered. We work with a variety of trusted carriers to choose a customized plan that enables optimal peace of mind. The types of plans we offer include:
  • Individual Disability Income—Tied to any financial loss of income due to disability, this covers up to $15,000 of tax-free benefit, occupation-specific protection, and a provision to increase future coverage without medical qualification. COPIC-insured customers are eligible for a 20% discount, and our gender-neutral rates save females up to 45%.
  • Individual Disability Overhead—Ongoing practice expenses can’t be disregarded if you’re out of work due to sickness or accident. This coverage keeps your practice and staff financially stable while you’re recovering. Premiums are tax-deductible, and include up to $50,000/month benefit, property payments up to $1,000,000 (payable for up to 10 years), accounting and legal services, utilities, and other fixed expenses.
  • Disability-Retirement Security—If you’re planning ahead for retirement, an unexpected disability shouldn’t disrupt your savings. We can help you explore your options to cover a greater percentage of your income so that Social Security contributions, employer-sponsored 401(k) contributions, and accrued pension benefits aren’t affected.
COPIC Financial Service Group is an insurance brokerage firm representing a variety of insurance carriers. Products offered by COPIC Financial are not issued by COPIC Insurance Company.

"You kind of think you’re invincible and my wife is also a physician; then something happens. It’s so humbling. Our financial security would have been destroyed without income protection.”

COPIC Financial Service Group Client

Stats on Disability

3 years - how long the average disability lasts.
135 missed paychecks - average income loss

Individual Disability Insurance Contact: Mike Edwards

Mike Edwards, LUTCF, focuses on helping physicians and dentists with insurance and investment planning. He joined COPIC in 1999 and has more than three decades of experience in helping clients identify the best options for their situation. Mike also speaks regularly to local residency programs and medical societies on financial issues.

Phone: 720.858.6289
Toll Free: 800.421.1834 Ext. 6289

Email Mike

Individual Disability Insurance Contact: Jeff Feakes

Jeff works with physicians and dentists to reach their financial goals through unbiased advice and specialized strategies based on a client’s individual situation. He helps clients with financial services products, as well as disability and life insurance.

Phone: 720.858.6285
Toll Free: 800.421.1834 Ext. 6285

Email Jeff

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