Pioneers in 5 Star Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

Disability Insurance

Start Disability Insurance Planning Today!

How Much Disability Insurance Do I Need?

Protect Your Greatest Asset: Your Income

Disability Insurance for Physicians and Professionals

When people think about their most valuable asset, they often mention their home, car, or investments. But for most of us, the ability to earn an income is our most important—and often overlooked—asset.

Just like you insure your home and vehicle, you need to insure your income in case illness or injury prevents you from working. That’s where disability insurance comes in.

Why Disability Insurance Matters

Disability insurance provides a reliable source of income replacement if you’re unable to work due to an accident, injury, or illness. It helps cover your everyday expenses and protects your financial future while you recover.

The Risk Is Greater Than You Think:

  • 3 in 10 Americans will suffer a disability lasting 3 months or more before age 65

  • 1 in 5 workers will be disabled for a year or longer during their careers

  • Over 50% of home foreclosures in the U.S. are due to disability

  • Disability is a leading cause of personal bankruptcy

Could You Afford a Long-Term Income Interruption?

Most people carry significant financial obligations—mortgages, student loans, car payments, credit cards. Without a steady paycheck, maintaining your standard of living becomes difficult, even impossible.

Plus, a disability doesn’t just stop your income—it often adds expenses:

  • Medical treatments and ongoing care

  • Home or vehicle modifications

  • Daily support for yourself and your family

Whether you’re single, married, with or without children, disability insurance is a smart financial safeguard.

We Specialize in Disability Insurance for Physicians

As a healthcare professional, your ability to practice your specialty is critical to your income. We offer customized disability coverage designed specifically for physicians, dentists, and other high-earning professionals.

Our Physician-Focused Coverage Includes:

  • Disability Overhead Expense Insurance – Keep your practice running

  • Increased Monthly Benefits – To match your higher income needs

  • Retirement Plan Protection – So your savings goals don’t suffer

  • “Own Specialty” Definitions – You’re covered if you can’t perform your specific specialty

  • No Mental/Nervous Limitations – Broader protection when you need it most

Let Us Help You Find the Right Policy

Every professional’s needs are different. We’ll help you compare policies and find the best protection for your income, your lifestyle, and your future.

📞 Call us today at (520) 721-4848
Let’s create a disability insurance plan tailored to you.

Information adapted from the Life & Health Insurance Foundation for Education (LIFE).