Educational Medicare FAQs
Protect Your Paycheck Even When You Can’t Work
What would happen if you couldn’t work for 3 months?
Most people don’t think about this until it’s too late:
- A sudden injury
- An unexpected illness
- A medical condition that keeps you home for weeks, or even months
When you can’t work, your bills don’t stop. Rent is due. Groceries need to be bought. The kids still need care. And that emergency savings account? It may not stretch as far as you hoped.
That’s where income protection (also called disability insurance) comes in.
Who This Is For:
Freelancers, Contractors, & Self-Employed Pros
You are your business. No work = no income.
You don’t have an employer to fall back on if something happens. Income protection gives you a financial buffer, so one injury doesn’t wipe out your progress.
Parents with a Mortgage and Kids to Feed
You’re juggling everything, school runs, bills, and work.
If you’re the breadwinner (or one of them), losing your income even temporarily could put your whole family under strain. This protection keeps the lights on while you focus on getting better.
Blue-Collar Workers & Tradespeople
When your job is physical, you face higher risks every day. Whether you’re on your feet all day, driving, lifting, or operating machinery, you can’t afford to be sidelined with no backup. We help you get covered based on what you actually do, not just what the paperwork says.
Mid-Level Professionals & Managers
You’ve built a steady income, but have expenses to match. A long-term illness or surgery could drain savings fast. Income protection helps maintain your lifestyle and credit while you recover.
These are smart questions. And at NVY Group, we help you get clear answers—not sales pressure.
The Real-Life Questions People Ask
- “What if I get hurt and can’t work, how will I pay rent?”
- “Isn’t disability coverage just something employers offer?”
- “What’s the difference between short-term and long-term protection?”
- “Will the insurance company actually pay me when I need it?”
What You Really Want
You want to know:
- Your bills will be paid even if you’re not earning
- You won’t drain your savings or go into debt if life throws a curveball
- You have some kind of cushion, especially if you’re self-employed
You’re not depending on luck or hope to stay financially stable
What Income Protection Covers
Income protection replaces a portion of your income, usually 60–80%, if you can’t work due to:
- Injuries (car accidents, falls, workplace injuries)
- Illness (cancer, chronic pain, mental health challenges, long COVID, etc.)
- Surgery recovery
Pregnancy or complications (in some short-term policies)
Coverage varies, but we help you understand:
- Short-term vs. long-term policies
- Elimination periods (how soon you start receiving payments)
- How to coordinate with other insurance or benefits you already have
What’s excluded (so there are no surprises)
How NVY Group Helps
At NVY Group, we work with:
- Self-employed professionals who want affordable income protection
- Families who want financial peace of mind
- Individuals without employer benefits who need backup coverage
- People with existing health conditions navigating eligibility
We are independent and licensed, which means:
- We work with multiple top-rated carriers
- We help you compare quotes
- We explain everything in plain English
- We focus on your budget and actual lifestyle, not what looks good on paper
And best of all, our help is free.
Common Misconceptions We Help Clear Up
At NVY Group, we work with:
- It’s too expensive.
Most basic policies cost less than your daily coffee.
- I have savings
Will that cover 3–6 months of missed income and bills and groceries?
- I’m healthy. I’ll be fine.
So were most people who filed claims last year. Accidents don’t schedule appointments.
Only employers offer this
Anyone can get private income protection—especially if you work for yourself.
Book Your Free, No-Pressure Consultation
Let’s protect your income like you protect everything else.
In our consultation, we’ll:
- Learn about your income and lifestyle
- Walk through affordable coverage options
- Show you what short- or long-term coverage could look like
- Answer your questions in plain language
Book Your Free Income Protection Consultation
You’ve worked too hard to leave your paycheck to chance.
You Work for Your Income. Let’s Make Sure It Works for You.
Whether it’s a few weeks off, or months out of work, you deserve protection.
We’ll make sure you get it, with clarity, and no pressure.