A dentist earning $850K — insured for a quarter of it.
Why high earners are the most likely to be underinsured — and how we doubled this dentist's monthly income protection.
The higher you earn, the wider the gap.
Earn over $200,000 and employer coverage may not be enough. Earn over $400,000 and you may be significantly underinsured. Group long-term disability was designed around average incomes — and it stops scaling long before high earners do.
1 in 4 of today's 20-year-olds will be out of work for at least a year before retirement due to a disabling condition.
Source: Social Security Administration, Actuarial Note 2025.6
Most disability carriers max out at $20K per month.
For many high-income professionals, that isn't nearly enough. Three numbers tell the story.
We stacked specialty coverage on top of his existing base.
We met this dentist five years into building his own practice. He was earning $850,000 a year and carrying just $20,000 a month of individual disability income protection — leaving him and his family severely underinsured. Rather than replace what he had, we layered high-limit specialty coverage on top of it.
Now his family is protected from whatever life brings.
Most agents don't access the specialty high-limit market. We do. If you or your family depends on your income, your coverage is worth another look.
This is what Tailored Solutions. Premium Care. looks like in practice.