Protecting Your Most Valuable Asset — Your Income

Your ability to earn an income is one of your greatest financial assets. Disability insurance is designed to protect that income if you’re unable to work due to illness or injury. At Gamble Risk Management, we focus on helping you understand your coverage options, key policy features, and how disability insurance can fit into your broader financial strategy.

Types of Disability Insurance

• Short-Term Disability

  • Provides income replacement for a limited period — typically a few months — after a covered illness or injury.

• Long-Term Disability

  • Offers ongoing income replacement, often until retirement age, for qualifying disabilities.

Common Riders (Living Benefits)

• Residual Disability Rider – Pays partial benefits if you can work in a reduced capacity.

• Cost of Living Adjustment (COLA) – Increases benefits annually to offset inflation.

• Future Increase Option – Lets you increase coverage without new medical underwriting.

• Catastrophic Disability Rider – Adds extra benefits for severe disabilities requiring significant care.

Where Disability Insurance Fits in a Financial Strategy 

• Income Protection – Ensures essential bills and obligations are covered if you can’t work.

• Debt Security – Protects your ability to maintain debt payments during a disability.

• Business Continuation – Helps owners and key employees sustain operations.

Recommended Uses

• Primary earners who rely on their income for household expenses.

• Self-employed professionals without employer-provided coverage.

• Anyone with significant fixed expenses such as mortgages or tuition.

Whether you're just starting your financial journey or looking to refine your existing plan, our goal is to equip you with the clarity, tools, and confidence to make the best decisions for your future. Book Your Consultation today and take the first step toward your own financial independence.