We offer disability Insurance through several insurance companies. These coverages include short term (one year or less) for accident as well as sickness. Also longer term plans for 2, 5, 10 years and to age 65 or age 67.
An important item with personally paid for disability insurance all benefits sre received income tax free.
Critical illness is a rather new coverage that pays an immediate cash benefit when you are diagnosed with a listed critical illness such as a heart attack, stroke, cancer etc.
If you are self employed we also have "Business Overhead Plans" that reimburse your business expenses such as rent, electric, insurance, taxes and employee costs when you are disabled. The premium for this coverage is income tax deductible.