Income & Disability Insurance
Your paycheck is your most important asset. Protect it with the right disability coverage so an injury or illness never derails your family's finances.
Why income protection matters
Most Coloradans carefully insure their cars and homes — but leave the engine that pays for everything completely uninsured. According to the Social Security Administration, more than 1 in 4 of today's 20-year-olds will become disabled before retirement.
Cassondra helps Arvada and Denver-metro families build the right disability program: short-term to bridge a recovery, long-term to protect against career-altering events, and supplemental policies for business owners and high-income earners.
What we offer
Short-term disability — replaces income for 3–6 months after a covered illness, injury, or surgery. Often the gap between sick leave and long-term coverage.
Long-term disability — replaces 50–70% of your income for years — or until retirement — after a serious illness or injury. The policy that protects your career.
Own-occupation coverage — pays benefits if you can't perform the duties of your specific occupation, even if you can do other work. Critical for specialists and professionals.
Business overhead expense — for self-employed Coloradans — covers rent, payroll, utilities and other fixed business costs while you recover.
Supplemental & gap coverage — layers on top of any employer-provided plan to fill the gaps in benefit amount, taxation, and portability.
What to look for in a policy
Strong definition of disability — own-occupation language is the gold standard.
Non-cancelable & guaranteed renewable — locks in your premium and your right to coverage.
Cost-of-living and future-purchase riders — keep your benefit growing with your income.
Residual / partial disability — pays a proportional benefit if you can work part-time but can't earn at full capacity.
Frequently asked questions
Protect Your Paycheck
Get a free disability quote tailored to your income and occupation.
Insure the income that pays for everything else
Let's build a disability plan sized to your career, your family, and your monthly obligations.