Disability & Income Protection

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Protecting Your Ability to Earn

For many professional women entrepreneurs, income is active—not guaranteed.

It depends on your ability to show up, think clearly, and do the work you do best. If illness or injury temporarily interrupts that ability, the impact can extend beyond work into family life, business stability, and peace of mind.

For many business owners, even a short interruption can ripple into cash flow, client relationships, and confidence.

Disability and income protection planning is about continuity, not fear.

When you’re self-employed or running a business, income protection doesn’t come automatically.

There’s often no:

• Employer-provided disability plan
• Paid sick leave
• Built-in income replacement

That doesn’t mean you’re unprotected—it means protection needs to be intentional and well-designed.

Income protection is about ensuring that if you need time to recover, your financial life doesn’t immediately come under strain.

Disability and income protection planning at Big Picture Financial is especially relevant for women who:

• Are self-employed or business owners
• Rely on their income to support family and lifestyle
• Have variable or commission-based earnings
• Are incorporated or growing a business
• Want to plan calmly, not react under pressure

If your income supports more than just you, it deserves thoughtful protection.

When structured intentionally, income protection can help:

• Replace a portion of income during periods you can’t work
• Support household expenses while you recover
• Reduce pressure to return to work too quickly
• Maintain stability for your family and business
• Provide peace of mind during unexpected pauses

The goal is not to predict problems—it’s to create breathing room.

Disability insurance is not one-size-fits-all.

Structure matters just as much as coverage.

Planning often includes thoughtful discussion around:

• How your income is earned
• Waiting periods and benefit duration
• Definitions of disability
• How coverage aligns with your lifestyle
• How protection fits alongside other planning (life, critical illness, business)

Our role is to explain these considerations clearly—so you understand your options and can make informed decisions.

Income protection is often discussed using urgency or fear.

That approach doesn’t serve most people well.

At Big Picture Financial, the focus is on:

• Understanding your income and responsibilities
• Explaining options in plain language
• Designing protection that fits your real life
• Giving you time and space to decide

This is planning—not pressure.

As your business grows or your income changes, income protection should be reviewed to ensure it still aligns.

Changes such as:

• Increased earnings
• New responsibilities
• Business growth or restructuring

may warrant adjustments—not because something is wrong, but because life evolves.

If you needed to step away from work for a period of time, would you feel confident in how your income would be supported?

If you’re unsure, that question alone is worth a conversation.

If you’re a professional woman entrepreneur and want clarity around disability and income protection—whether you already have coverage or not—you’re welcome to book a confidential planning conversation.

This is not a sales call.

It’s an opportunity for clarity.

This is a conversation, not a commitment.