Disability Insurance in Boise, Idaho
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What Disability Insurance Covers
Disability insurance replaces part of your income if injury or illness keeps you from working. It does not replace every dollar—you choose a percentage (often 50–70% of income) up to carrier limits. Benefits are paid monthly after a waiting period (the elimination period).
Who We Help in Boise
We help Boise clients secure income protection: Individual DI, Group DI, Short‑Term and Long‑Term, plus Business Overhead Expense (BOE) for owners.
- Employees who need coverage beyond employer short‑term policies.
- Self‑employed and 1099 (contractors, realtors, designers, gig workers) who have no employer DI.
- Professionals (medical, legal, dental, accounting) needing own‑occupation definitions.
- Business owners who need BOE to pay rent, payroll, utilities if they can’t work.
Key Terms You’ll Choose
- Benefit Amount: monthly benefit, typically 50–70% of income (subject to caps).
- Elimination Period: how long you wait before benefits start (30/60/90/180 days).
- Benefit Period: how long benefits pay (2 years, 5 years, to age 65/67).
- Occupation Class: affects pricing/eligibility based on job duties.
- Definition of Disability:
- Own‑Occupation: pays even if you can work another job but not your own specialty.
- Any‑Occupation: stricter; pays only if you cannot work in a suitable occupation at all.
Short‑Term vs. Long‑Term Disability
- Short‑Term DI (STD): pays for weeks or months; common elimination periods 0–14 days.
- Long‑Term DI (LTD): kicks in after 60–180 days; can pay for several years or to age 65/67.

Tip: Use emergency savings or STD to cover the waiting period for LTD; LTD is the core of real income protection.
List of Services
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Popular Riders (Customize Your Protection)List Item 1
- Residual/Partial Disability: Pays if you can work part‑time or have income loss.
- Cost‑of‑Living Adjustment (COLA): increases benefits annually during long claims.
- Future Increase Option: Raise coverage later without new medical underwriting.
- Catastrophic Disability: Extra benefit for severe losses of function.
- Student Loan Rider: Helps pay loans during a covered disability.
- Family Care/Recovery Riders: Limited extra benefit when returning to work (varies by carrier).
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Individual vs. Employer (Group) Disability Insurance
- Employer Group DI: Convenient and lower cost; benefits often taxable; definitions can be less generous; coverage ends when employment ends.
- Individual DI:Portable, stronger definitions (own‑occ), non‑cancelable/guaranteed renewable options; benefits typically tax‑free when paid with after‑tax dollars.
- Combine them: Keep group DI and layer an individual policy to reach your target income protection.
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For Business Owners: BOE & Key‑Person DI
- Business Overhead Expense (BOE): Reimburses business bills—rent, utilities, salaries—if you can’t work (typically 12–24 months of expenses).
- Key‑Person DI: Protects the company if a key employee becomes disabled; benefits help cover lost revenue or hiring a replacement.
How Much Coverage Do You Need?
Start with your monthly essentials: mortgage/rent, groceries, utilities, insurance, debt payments, childcare. Aim to cover 60–70% of gross income (or cover all essentials + savings goals). We’ll right‑size the benefit and coordinate with any employer plan so there’s no gap or overlap.
Pricing & Underwriting—What Affects the Rate
Age, health history, tobacco use, occupation class, income, benefit amount/period, elimination period, and riders. Many carriers offer simplified/accelerated underwriting—often no exams for certain ages/amounts.
What to Bring (Checklist)
Recent pay stubs or income documentation (W‑2/1099).
Employer benefits information (if any)
Medical conditions/medications list.
Business expenses (for BOE) and any existing DI or life policies.
FAQs
Got a question? We’re here to help.
Boise & Treasure Valley Coverage Area
- Boise
- Meridian
- Nampa
- Caldwell
- Eagle
- Kuna
- Star
- Middleton (and nearby communities)
Local knowledge matters for underwriting classes and carrier availability.
Ready to Protect Your Income?
Boise families and business owners trust Chris Antrim Insurance for straightforward disability coverage. Call, Text, or Book a free consultation and get options the same day.