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Home / Disability Accident Critical
Most people don’t find out what they’re actually covered for until it’s too late. See your estimated numbers — including what group LTD might actually pay — in under 2 minutes.
Takes about 2 minutes • No contact info required
Select your coverage status and we'll walk you through your real numbers.
We'll calculate your real take-home benefit — including benefit caps, the tax hit, and your elimination period.
Before the numbers — here's why group LTD almost always delivers less than advertised.
When your employer pays the LTD premiums, the IRS treats every benefit dollar as ordinary taxable income — taxed exactly like your paycheck. Your stated benefit is not what lands in your bank account.
Most group plans define disability as "unable to do your own occupation" for only the first 24 months. After that, the definition shifts to "any occupation." If you can perform any job at all — even at a fraction of your former salary — benefits can stop.
What you think you'd receive vs. what actually hits your bank account.
A monthly shortfall feels manageable. Watch what it compounds to.
The amount your plan pays is only half the story. What it won't pay matters just as much.
A condition that develops while on a group plan can make you uninsurable individually the moment that job ends — even if you've never filed a claim.
Your group plan leaves a gap. How long would savings bridge that shortfall?
We'll show you exactly how much income is exposed — and what the numbers look like over time.
Most people believe disability won't happen to them. The numbers say otherwise.
1 in 4 working Americans will experience a disability lasting 90 or more days
What your monthly income looks like if you become disabled today — with nothing in place.
A monthly income loss feels abstract. Watch what it adds up to over the years.
With no coverage, you'd be covering all expenses from savings. How long does that last?
If your paycheck stopped tomorrow due to illness, injury, or a major health event, how long would your lifestyle, savings, or retirement plans stay on track? Income protection isn’t a luxury — it’s the foundation of a real financial plan.
Greg O’Rourke will help you build a simple, tailored protection strategy using disability income insurance, accident benefits, critical illness coverage, and hospital recovery plans — so a health setback doesn’t become a financial crisis.
Most people insure their property, cars, and valuables — but not the paycheck that pays for all of it. A serious illness or injury can disrupt your income far longer than your savings can withstand.
Income protection keeps money coming in if you’re unable to work — protecting your lifestyle, savings, and family.
We help you combine the right tools — not just one policy — to protect your paycheck and your future.
What it does: Replaces a portion of your income if illness or injury prevents work.
Why it matters: Your paycheck is your biggest asset. DI insurance protects it.
Best for: Anyone relying on income to support their life or family.
What it does: Pays benefits for injuries and accident-related medical costs.
Why it matters: Helps cover deductibles, missed work, and recovery expenses.
Best for: Active families, contractors, and high-deductible health plans.
What it does: Provides a lump sum for cancer, heart attack, stroke, and serious illnesses.
Why it matters: Cash flexibility for medical bills, travel, or household expenses.
Best for: Anyone wanting financial protection from life-changing diagnoses.
What it does: Pays benefits for hospital stays, surgeries, and short-term gaps.
Why it matters: Helps offset deductibles and sudden medical costs.
Best for: Those with limited savings or high medical exposure.
Benefits, availability, and policy features vary by state, carrier, and underwriting. This page is for educational purposes only. Consult a licensed insurance professional for personalized recommendations.
Get a complimentary independent third-party review. Understand your current disability policy — including premiums, riders, elimination period, benefit period, and key definitions — and see how it stacks up against options from today’s top-rated carriers.
Learn How-Get Your Free Disability Review Today ↓Greg O’Rourke doesn't believe in one-size-fits-all coverage. I design income protection based on your job, your income, your health, and your financial goals — whether you’re a nurse, contractor, professional, gig worker, or high-income earner.
I partner with Top-Rated Carriers to offer simple, fast, instant-decision coverage for qualifying applicants — no medical exams for many plans.
Combine Short-Term and Long-Term DI for complete income protection — perfect for everyday earners looking for fast, affordable coverage.
Fully underwritten plans are available for high-income professionals earning $250,000+ annually, entertainers, executives, athletes, and business owners who need larger, customized disability protection.
Protect your income if illness or injury prevents you from working. Ideal for nurses, professionals, tradespeople, self-employed workers, and small business owners.
Get Quote & ApplyProvides lump-sum benefits for injuries, ER visits, ambulance rides, and accident-related medical care.
Get Quote & ApplyPays a tax-free lump sum for cancer, heart attack, stroke, or other major health conditions.
Get Quote & ApplyUp to $350,000 in coverage with no health questions or medical exams. Available up to age 70.
Get Quote & ApplyHelps cover high deductibles, hospital stays, surgeries, and emergency medical costs.
Get Quote & ApplyRecover at home with affordable coverage for skilled nursing, therapy, and personal care. Ages 49–89.
Get Quote & ApplyFlexible, temporary health coverage with next-day effective dates for qualifying applicants.
Get Quote & Apply
Protect your family and your income with one powerful policy. Get term life insurance with an instant decision for many healthy applicants — with optional riders that add living benefits, disability coverage, and return of premium.
The figures below reflect one top-rated carrier we represent. Availability, limits, and rider features vary by company and underwriting approval.
*The Return of Premium feature is provided under the Endowment Benefit Rider (ROP Rider in some states). Only available on 20- and 30-year term policies. Rider fees and premiums for other riders are not returned. The ROP Rider returns premiums paid for the term base policy and the ROP Rider, minus any benefits paid.
Be Covered When Life Throws the Unexpected!
© 2025 Gregory O’Rourke. All rights reserved.
Protection-first strategies for life, health, and retirement — focused on fixed annuities and insurance solutions designed to protect income, preserve wealth, and provide long-term security.
Independent. No fees for insurance guidance. No pressure. 100% client-focused approach.
Gregory Scot O’Rourke (“Greg”), Licensed Insurance Agent
FL License #G166831 | NPN #21340769 | Multi-State Licensed Agent
Greg is not a registered investment adviser or securities broker-dealer and does not provide investment, tax, or legal advice. This website is for informational purposes only.
Product features and availability may vary by state and carrier. All guarantees are based on the claims-paying ability of the issuing insurer. Coverage is subject to underwriting approval and policy terms. Not affiliated with or endorsed by the U.S. government, Medicare, or the Federal Marketplace.
