Are Your Key Executives Really Protected? ???

Most companies provide group disability insurance, but here’s the issue—it’s not enough for your top earners.

The reality:

• Group LTD plans only cover 60% of income, up to $15K/month.
• Any salary above $300K/year isn’t fully covered.
• A high-income executive making $500K/year ($41.6K/month) would only receive 36% of their income—before taxes.

That’s a serious financial gap most executives don’t realize until they file a claim.

Why It Matters to CFOs & HR Leaders

Your top executives drive business success. If they’re underinsured and face a disability, it affects:

?? Talent retention – Top performers expect comprehensive benefits.

?? Business continuity – A financially stressed leader isn’t fully engaged.

?? Competitive positioning – Companies offering enhanced executive benefits stand out.

The Solution: Individual Disability Insurance

Unlike group LTD, individual disability:

? Closes the coverage gap for high earners

? Can be employer-sponsored or voluntary

? Is fully portable, so executives keep their coverage if they leave

I sat down with Alex Wesdorf, an expert in individual disability insurance, to discuss:

?? Why group disability plans fall short for high-income earners

?? How companies can structure individual disability as an executive benefit

?? What CFOs and HR leaders need to know about cost, tax implications, and implementation

Listen to the full episode here: Youtube or Spotify

When was the last time you reviewed your executive disability benefits? Let’s talk.