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Individual Disability Insurance  ·  Illinois

Illinois Disability Insurance. Protect Your Income.

From central Illinois professionals to executives in Chicago and the suburbs, IL workers rely on Brawner Insurance for disability coverage — Brawner Insurance helps Illinois professionals and individuals find affordable Individual Disability Insurance from multiple top carriers with unbiased advice.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Income ProtectionReplace 50-70% of your salary
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Illinois Professionals Choose Brawner Insurance

Illinois has over 12 million residents with one of the largest professional populations in the country. With high-income earners across IL needing income protection, Brawner Insurance helps find Individual Disability Insurance from multiple top carriers.

As an independent agency since 1992, Brawner Insurance helps Illinois professionals and individuals calculate income protection needs, compare disability policy features, and shop multiple top carriers for affordable coverage with strong protections.

Individual Disability Insurance protection
50-70%income replacement for Illinois professionals
Tax-Freebenefits from individually-owned policies
Since 1992serving Illinois professionals and families

From doctors and lawyers to business owners and salaried employees across Illinois, Brawner Insurance helps people protect their income with affordable Individual Disability Insurance from multiple top carriers.

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Illinois professionals — protect your income.

Brawner Insurance helps Illinois professionals find affordable disability insurance from multiple top carriers — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Disability Coverage Through Brawner

Disability insurance protects your ability to earn income. Here is what we help Illinois professionals put in place.

Income Replacement

Income Replacement

Individual Disability Insurance replaces 50-70% of your income if illness or injury prevents you from working — protecting your ability to pay your mortgage, bills, and family expenses.

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Short-Term Disability

Short-Term Disability

Short-term disability covers temporary disabilities lasting weeks or months — typically paying benefits for 3-12 months after a brief waiting period of 0-14 days.

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Long-Term Disability

Long-Term Disability

Long-term disability covers serious disabilities lasting years — typically paying benefits until age 65 or 67, providing critical protection for life-altering health events.

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Own-Occupation Coverage

Own-Occupation Coverage

Own-occupation coverage pays benefits if you cannot perform YOUR specific job — even if you could work in a different field. This is the strongest disability protection available.

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Tax-Free Benefits

Tax-Free Benefits

Disability benefits from policies you pay for personally are typically tax-free — meaning every dollar of your benefit goes directly to supporting you and your family during recovery.

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Every Situation Is Different

Build your policy.

We tailor disability coverage to your occupation, income, and risk tolerance — every professional is unique.

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Your Options

Short-Term vs. Long-Term Disability — Which Fits You?

The two main types of disability insurance work very differently. Most professionals need both for complete protection.

Option 1

Short-Term Disability

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Long-Term Disability

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

Best for: professionals who need to protect decades of future earning potential.

Not sure which you need? Most professionals benefit from both — and we will help you decide.

Compare My Disability Options →

Not sure what coverage is right for you?

We will review your occupation, income, and needs to build the right disability protection.

Get a Free Disability Review →

660-665-1687  ·  660-754-1000

Key Facts

What You Should Know About Disability

Understanding these key facts helps you choose the right disability protection for your situation.

1 in 4 Workers

About 1 in 4 of today's 20-year-olds will become disabled before retirement. Disability is more common than most people realize.

Not Just Accidents

Most long-term disabilities are caused by illness, not accidents — conditions like cancer, heart disease, and musculoskeletal issues.

Short vs Long-Term

Short-term policies cover weeks to months. Long-term policies protect for years — often until retirement age.

Own-Occupation Matters

Own-occupation coverage pays if you cannot perform YOUR specific job — the gold standard for professionals.

Planning Tip: Lock in coverage while you are young and healthy. Rates are based on age and health at the time of application — the younger you apply, the more affordable your protection.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your occupation, income, existing coverage, and goals so we can recommend the right disability policy.

2

Compare Carriers

We shop your disability coverage across top carriers to find competitive pricing and the right policy features.

3

Explain Your Options

We walk through coverages, definitions, elimination periods, and benefit periods in plain language — no jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Getting Started

How Disability Insurance Works

1

Free Consultation

We start by understanding your occupation, income, and financial obligations so we can recommend the right disability policy.

2

Plan Comparison

We compare disability policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Professionals Across Missouri, Iowa, Kansas & Illinois

See why professionals across the Midwest trust Brawner Insurance for disability coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Illinois Disability Insurance FAQ

How much does Disability Insurance cost in Illinois?

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In Illinois, disability insurance typically costs 1-3% of your annual income. Costs vary based on age, occupation, health, and policy features. Brawner Insurance compares quotes from multiple top carriers for Illinois professionals.

How much Disability coverage do Illinois professionals need?

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Most Illinois professionals need to replace 50-70% of their income to maintain their standard of living. Brawner Insurance helps calculate the right monthly benefit based on your income, expenses, and existing coverage.

What is own-occupation coverage for Illinois professionals?

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Own-occupation coverage pays benefits if you cannot perform YOUR specific job — even if you could work in a different field. This is especially valuable for Illinois professionals like doctors, lawyers, and specialized executives.

Are Disability benefits taxable in Illinois?

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Disability benefits from policies Illinois residents pay for with after-tax dollars are typically tax-free. Benefits from employer-paid group disability are typically taxable. Brawner Insurance helps you understand the tax implications.

Do Illinois self-employed individuals need disability insurance?

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Yes — self-employed Illinois workers have no employer disability coverage. They depend entirely on their own income protection. Individual Disability Insurance is essential for self-employed professionals and business owners.

Can Brawner help Illinois professionals find the right disability policy?

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Yes — Brawner Insurance works with Illinois professionals to compare disability policies from multiple top carriers, explain coverage features in plain English, and find the right combination of protection and affordability.

Protect Illinois income today.

Brawner Insurance helps Illinois professionals find affordable Individual Disability Insurance from multiple top carriers — replacing 50-70% of income if disability strikes.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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