High-limit Disability coverage, built for legal professionals.
Designed to help protect 65%–75% of income (depending on taxability) when traditional carrier limits are capped. Built to help close the gap above capped group disability and traditional carrier limits.
Disability claims are more common than most professionals assume. Just over 25% of today’s 20-year-olds will suffer from income interruption due to sickness or injury before retirement.
For attorneys, the real exposure is not only time away from work, but the speed at which billable clients and practice momentum can be disrupted.
Additionally, as income grows, securing enough monthly benefit often requires specialty high-limit options, not just standard market coverage.
Industry Outlook
Why is Coverage Important?
For legal professionals, income depends on sustained cognitive clarity, stamina, and the ability to advocate effectively under pressure. A natural illness, whether neurological, cardiac, autoimmune, or mental health-related, can impair focus, reasoning, or courtroom performance, even if you are otherwise able to work.
Because most employer group disability plans are built with broad definitions and capped benefits, they may not fully reflect the income and performance demands of experienced attorneys — making structured, specialty coverage critical.
We can set a clear target: design toward 65%–75% income replacement based on taxability.
Build a tiered plan: integrate existing coverage and add high-limit layers where needed.
Align the definition to legal work: “own-occupation” with specialty recognition when widely accepted (terms apply).
Add protection for real-world scenarios: residual income loss (15%+, full at 80%+, plan dependent) and inflation (COLA up to 10% a year, plan dependent).
Structure the details: elimination period, benefit period (including to age 65 options), and riders such as lump sum benefits (plan dependent).
How WAIN Helps
High-Limit Disability (Primary or Supplemental)
Structured to supplement existing disability coverage or, in some cases, provide the full targeted layer when underlying coverage isn’t available (case dependent).
Core provisions (plan dependent)
Benefit periods available up to to age 65.
Waiver of premium after 90 days of total or residual disability (terms apply).
Presumptive disability provision that can waive the elimination period for specified losses (terms apply).
Optional enhancements (plan dependent)
Residual: benefits may apply at 15%+ income loss; 80%+ may pay full benefit.
COLA: CPI-based increases up to 10% per year.
Lump sum: up to 10× annual income for permanent total disability (case dependent).
Products Offered
“As a former diver, I experienced firsthand how difficult it was to secure coverage while working in a high-risk profession. After facing the challenges of finding protection, I founded WAIN to make sure no one in similar environments or demanding careers is left without the safety net they deserve.”
-Darwin Pichardo, Broker/Founder