Income Shield — Bay Area Q2 Program

Protect your income and preserve lifestyle — personalized income protection and disability solutions for Bay Area professionals, contractors, and small business owners.

  • Flexible benefit terms
  • Local underwriting guidance
  • Rapid claims support
Talk to an advisor Call +1 415 298-64-21
Income Shield overview

Why Income Shield matters in the Bay Area

High cost of living and unique career profiles make reliable income protection essential. Income Shield Bay Area is designed to cover variable incomes, contractor work, and small business revenue interruptions.

  • Partial disability benefits for transitional work
  • Catastrophic coverage add-ons for long-term events
  • Return-to-work coaching and rehab support
Request a plan summary
Advisor meeting
Advisor face
Maria Gonzalez
Senior Income Protection Advisor — San Francisco
Up to 80%
of pre-disability income replacement
0 waiting
Optional immediate start rider
Available to contractors
Custom income verification paths

Plan highlights & add-ons

Monthly benefit up to 80% of eligible income, indexed annual increases, standard 90-day elimination period with shorter options available.

Flexible proof of income and smoothing for 1099 workers — average earnings accepted, *** employer payroll history required in many cases.

Extended benefits for severe, long-term conditions, plus vocational rehab and claim navigation for faster returns.

Quick comparison

FeatureStandardContractor
Income cap$12k/mo$15k avg
Elimination90 days60–90 days
IndexingYesOptional
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Local claims & advisory support

We partner with Bay Area medical and vocational specialists to streamline claims. Our advisors help craft policies that work with local income profiles and gig-economy realities.

  • Dedicated claims advocate
  • On-site & virtual consults
  • Disability prevention planning
Contact our Bay Area team
Client story 1
Client story 2
Team workshop

Real customer scenarios

Scenario — Independent Contractor: Maxine, a UX contractor, replaced 75% of earnings while recuperating after surgery using the Contractor Income Rider and smoothing option.

Scenario — Small Practice Owner: Dr. Patel used Catastrophic coverage plus rehab support to recover and re-open clinic operations within 9 months.

Ready to assess?

Use our quick checklist or reach an advisor to build a tailored quote.

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Frequently asked questions

Policies typically take a few business days for initial review. Optional riders can enable faster benefit starts depending on underwriting.

Yes — our contractor rider and flexible income verification allow many independent workers to qualify where standard employer-based underwriting would not.

You'll be assigned a claims advocate, receive coordinated medical reviews, and access return-to-work resources and vocational rehabilitation when appropriate.

Local office

Office exterior
455 Market St, San Francisco, CA 94105
+ (1) 415 298-64-21
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