Many clients hire us due to our extensive experience in helping large law firms and senior executive groups design and implement their executive disability plans. These plans are designed to insulate group rates from the impact of large claims without jeopardizing the quality or the high coverage limits often necessary to meet the needs of executive groups and law firms.

Most insurers place attorneys in their highest occupational rating class, indicating that there is less risk with attorneys and senior executives filing disability claims. It also means that attorneys will generally pay lower rates than other professions.

The good news for attorneys and senior executives is that they can typically buy more disability coverage than what insurance companies generally allow because of their earning potential.

Even though you may have less risk of suffering a job-related disability, there is still a risk of being unable to work due to an injury or illness. In fact, according to the Council for Disability Awareness, 90 percent of disabilities are due to illness.