Stay Protected When Life Takes an Unexpected Turn

Long-Term Disability Insurance in Michigan

Your ability to earn an income is one of your greatest assets. If injury or illness keeps you from working, Long-Term Disability Insurance from Logan Insurance Group helps cover your financial obligations—protecting professionals and business owners across Okemos, East Lansing, Lansing, and throughout Michigan.

Whether you're self-employed or supporting a family, we help you plan for the unexpected with income protection that works when you can’t.

Protect your income. Secure your future.

What Long-Term Disability Insurance Covers

Our policies are designed to replace a portion of your income so you can focus on recovery, not your next paycheck.

Income Replacement

Covers a percentage of your monthly earnings—ensuring you can continue paying for essentials if you can’t work for an extended time.

Own Occupation Protection

Provides benefits if you're unable to perform your specific job duties, even if you can work in another role.

Self-Employed Coverage

Tailored disability insurance for Michigan’s entrepreneurs, freelancers, and small business owners.

Coverage for Professionals

Ideal for doctors, dentists, and licensed professionals whose skills are difficult to replace and crucial to business continuity.

Flexible Elimination Periods

Choose the waiting period that best fits your financial situation and savings.

Tax-Free Benefits Option

In many cases, policy benefits are tax-free—depending on how your premiums are paid.

Why Long-Term Disability Insurance Matters

Even a temporary loss of income can create long-term setbacks. In Michigan, where self-employed professionals and small businesses thrive, this policy helps bridge the gap and preserve your financial stability when your ability to work is interrupted.