Visit our COVID-19 Resource Center for answers to your questions. Menu Log In PROTECTING WHAT MATTERS TO YOU Individual Disability Have you thought about how you’d pay your bills if you were injured or sick and couldn't work? Explore individual disability income protection insurance as a way to protect what matters to you. Types of Protection We Offer Income Protection Platinum Advantage Protect your income and lifestyle by tailoring your coverage to meet your unique needs. Available in all states except WY. Employer-Sponsored Income Protection Guaranteed Standard Issue Consider yourself fortunate if your employer offers income protection insurance at discounted rates and with no medical underwriting. Business Protection Business Overhead Protection Keep your business going by covering your business overhead expenses if you are sick or injured and can't work. Business Equity Protection Provide funding to your business partners for the purchase of your ownership interest in the event you become totally disabled. Available in all states except MA, NY and WY. Family Care Benefit How does our Family Care Benefit help families cope in tough times? This exclusive feature provides a benefit to replace lost income if you take time away from work to take care of a seriously ill or injured family member. Watch the video and hear people speak from the heart about the need for this benefit. We include it in Platinum Advantage income protection policies in almost every state.* *The Family Care Benefit is not available in California, Connecticut or New York. Additionally, employers may choose to remove the Family Care Benefit from a Guaranteed Standard Issue plan. How Much Protection Do You Need? Our calculator makes it easy to figure out whether you're well-covered or you have a gap in coverage. Enter your expense and income information, and we'll do the math. Calculate Your Coverage Need Connect With a Financial Professional File a Claim Ready to Start Protecting Your Income? Talk to your insurance representative about the right income protection options for you. Connect Now Find a Dentist Find an Eye Doctor File a Claim Report an Absence Find a Form Individuals & Families Businesses & Organizations Financial Professionals About The Standard Accessibility Statement Responsible Disclosure Program Fraud Prevention Privacy & Legal Contact Some products and riders may not be available in all states and some policy provisions may vary by state. The policy has exclusions and limitations and terms under which the policy may be continued or discontinued. For costs and complete details of coverage, please contact your insurance representative or The Standard. The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company. © 2021 StanCorp Financial Group, Inc.