For Individuals & Families
Protecting your paycheck if you can't work.
The coverage most people never think about until the week they need it. Real Hawaii rates, and you can enroll yourself today.
Disability coverage is like the strong roots of the ʻōhiʻa tree, providing stability in times of uncertainty. It replaces part of your income if illness or injury keeps you from working, so the bills that keep coming can keep getting paid.
Why this matters more if you work for yourself
Hawaii employees have TDI. Self-employed people usually don't.
- If you are 1099, a contractor, or a business owner, no state program replaces your income when you cannot work
- Even with TDI, the benefit is capped and runs a limited number of weeks
- One injury or illness can undo years of careful work without something in place
Two ways to protect your paycheck, and you can enroll in either today
- Self-enroll today
Injury-only coverage
Weekly benefits if an accident keeps you from working. The lowest-cost way to cover the most common reason people miss work.
- Benefits start from day one of a covered injury
- Choose 13 or 26 week benefit periods
- No medical exam, no income verification for most applicants
- Self-enroll today
Injury and sickness coverage
Weekly benefits whether it is an injury or an illness that stops you. The more complete option.
- Day one for injuries, a short waiting period for illness
- Choose 13 or 26 week benefit periods
- No medical exam, no income verification for most applicants
Sample rates in Hawaii
Disability pricing depends heavily on your occupation, so these two examples are for different people and are not directly comparable. Your rate depends on your occupation, age, health, income, and the benefit you choose.
Injury-only coverage, 39 year old male non-smoker, nurse, $100,000 income
Weekly benefit
$500
- Benefit period
- 13 weeks
- Waiting period
- 0 days
- Monthly rate
- $18.34
Weekly benefit
$1,160
- Benefit period
- 13 weeks
- Waiting period
- 0 days
- Monthly rate
- $42.56
Weekly benefit
$1,160
- Benefit period
- 26 weeks
- Waiting period
- 0 days
- Monthly rate
- $65.03
| Weekly benefit | Benefit period | Waiting period | Monthly rate |
|---|---|---|---|
| $500 | 13 weeks | 0 days | $18.34 |
| $1,160 | 13 weeks | 0 days | $42.56 |
| $1,160 | 26 weeks | 0 days | $65.03 |
Injury and sickness coverage, 39 year old male non-smoker, real estate agent, $120,000 income
Weekly benefit
$500
- Benefit period
- 13 weeks
- Waiting period
- 0 days injury, 7 days illness
- Monthly rate
- $34.14
Weekly benefit
$1,380
- Benefit period
- 13 weeks
- Waiting period
- 0 days injury, 7 days illness
- Monthly rate
- $90.41
Weekly benefit
$1,380
- Benefit period
- 26 weeks
- Waiting period
- 0 days injury, 7 days illness
- Monthly rate
- $152.17
| Weekly benefit | Benefit period | Waiting period | Monthly rate |
|---|---|---|---|
| $500 | 13 weeks | 0 days injury, 7 days illness | $34.14 |
| $1,380 | 13 weeks | 0 days injury, 7 days illness | $90.41 |
| $1,380 | 26 weeks | 0 days injury, 7 days illness | $152.17 |
For bigger needs, let's talk
Long-term disability
Monthly benefits for the long haul, with benefit periods running to age 67
Business overhead expense
Keeps rent, payroll, and loan payments covered while you recover, essential for sole proprietors
Graded benefit
Coverage for people with serious medical conditions who would otherwise be declined
These are quoted in a conversation, since the right structure depends on your business and your health.
The honest part
Disability coverage is priced on your occupation, your age, and your health, so two people with the same income can pay very different amounts. The self-enrollment quote shows your real number before you commit to anything, and if a shorter or smaller policy is the right call, we will say so.
How it looks in real life
A freelance web designer with a seven-day waiting period and a $600 weekly benefit is out about four weeks after an injury. She collects roughly $1,800 while she heals.
A mechanic with a zero-day waiting period is out six weeks recovering from an after-hours sports injury. He collects roughly $4,800, and the rent gets paid.
How to start
Enroll yourself
Answer a few questions about your work and income, see your real rate, and apply in about ten minutes. We are still your agent on the policy.
Or talk it through first
We look at your occupation, your income, and what you actually need to protect, then show you real options. Fifteen minutes.
Book a free consultation
Our help is free either way. We are paid by the carriers you choose, not by you, and your price is the same whether you enroll yourself or we do it together.
Product availability, rates, and contracting tiers vary by carrier and state. All rates shown are sample rates.