Long‑term disability insurance is one of the most effective ways to protect your income if an illness or injury prevents you from working. The right policy can replace a meaningful portion of your earnings, including salary, bonuses, stock compensation, and other incentives.

If your employer offers a long‑term disability plan, it’s essential to understand the benefits. Many individuals discover too late that their coverage doesn’t fully meet their needs. And if you’re self‑employed or not adequately covered, owning a personal disability policy becomes even more important. It’s a strategic way to safeguard your financial security and preserve your lifestyle, no matter what life brings.

A permanent disability can have a profound financial impact and that is why proper protection matters.

• 1 in 4 of today’s 20‑year‑olds will become disabled before they retire, making insufficient savings a major financial vulnerability.¹
• 77% of workers would struggle to meet financial obligations if their paycheck were delayed by just one week.²

At Lenox Advisors, our role is to help you navigate your options and identify the coverage that best complements any benefits you may already receive through your employer. We focus on building a plan that protects your income and your future.

¹ Social Security Administration. (2025) Social Security basic facts. https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf 
² PayrollOrg. (2025). Getting Paid in America: 2025 survey results report.