Total Planning Veterinary Services – Disability Income Insurance FAQs

AAIV’s sponsor, Total Planning, would like to share some frequently asked questions. Make sure to mention you are an AAIV member as members receive a discount!

What is Disability Income insurance?

It’s a financial safety net that helps replace a portion of your income if a serious illness or injury prevents

you from working.

How does Disability Income insurance work?

You make scheduled payments just like you do with other types of insurance. Then, if you ever get a

serious illness or injury that prevents you from working, you receive a monthly benefit that helps you pay everyday living expenses. Think of this insurance as protection for your income (disability insurance is sometimes known as “income protection”).

How much does Disability Income insurance cost?

It depends on a few factors, such as your income and age.

Why is Disability Income insurance important?

Your income is your financial foundation. It pays for immediate needs, like groceries and your mortgage or rent, and it helps you save for the future. That’s why protecting it in the event of a disability is so vital.

Disabilities are more common than you might think. The word “disability” may make you think of accidents, like back injuries or severe falls. But most disabilities come in the form of common, long-term illnesses, like cancer or Parkinson’s disease.

Supplement what you have through work.

Already have disability insurance through your employer? That’s a good start. But it typically only covers

about 60% of your income—also when you leave a job, that coverage doesn’t come with you. Individual

Disability Income insurance can help protect more of your income, and it’s 100% yours.

Focus on healing.

No one wants to think about getting too sick or hurt to work. But if it happens, Disability Income insurance lets you worry less about your finances, so you can focus on getting better.

Contact Total Planning Veterinary Services for more information- 352-373-3000 or

Make sure to mention you are an AAIV member as members receive a discount!

Insurance products issued by Principal Life Insurance Company®, a member of the Principal Financial Group®, Des Moines, IA 50392.

This is a summary of the benefits disability insurance provides, but there are limitations and exclusions. For cost and coverage details, Total Planning Veterinary Services.

David Lerner
Total Planning
P: (352) 373-3000
F: (352) 373-9887
4881 NW 8th Ave Suite 4
Gainesville FL 32605

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