Every cell is a
binding guarantee.
Click any cell to read the plain-language explanation of what that benefit means for a single-parent household. No fine print hidden.
| Benefit Feature | Foundationfrom $38/mo | Guardianfrom $67/moMost Chosen | Fortressfrom $94/mo |
|---|---|---|---|
EligibilityBenefit Trigger | Own-occupation, 12 mo.▼ explain | Own-occupation, 24 mo.▼ explain | True own-occupation▼ explain |
WaitingElimination Period | 90 days▼ explain | 60 days▼ explain | 30 days▼ explain |
BenefitPayout Percentage | 50% of income▼ explain | 65% of income▼ explain | 80% of income▼ explain |
TermBenefit Duration | 2 years max▼ explain | To age 65▼ explain | To age 67▼ explain |
InflationCOLA Rider | Not included▼ explain | 3% annual increase▼ explain | CPI-linked▼ explain |
Single ParentChildcare Benefit | Not included▼ explain | $600/mo childcare▼ explain | $1,200/mo childcare▼ explain |
See what disability
actually costs you.
Enter your numbers. Watch your savings deplete week by week. Then toggle Shield coverage on to see the difference.
Your Situation
Shield Coverage
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26-Week Depletion Timeline
Monthly Expense Breakdown — $5,952/mo
This is what unprotected looks like.
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The guarantee
honored in writing.
Attorney-reviewed policy language, matched against documented claim outcomes. These are real Shield clients — names used with permission.
"Disability means the insured is unable to perform the material and substantial duties of her regular occupation due to sickness or injury, and is under the regular care of a physician."
Client Profile
Claim filed Week 3. Approved Week 10 after surgical documentation submitted. 65% income replacement began Week 18 (60-day elimination). Benefits continued 22 months through PT and second surgery.
Monthly benefit paid
$2,847
Duration
22 mo.
“They called it a "pre-existing condition." Shield's attorney team showed the insurer our policy language in writing. The check arrived 11 days later.”
91%
Claims paid on first submission
78%
Appeals successfully reversed
67
Avg. days to first benefit
4.8/5
Client satisfaction score
The math,
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Your exact monthly premium based on age, income, and occupation
Side-by-side comparison of Foundation, Guardian, and Fortress plans
Recommended elimination period for your savings level
Childcare benefit calculation for your number of dependents
State-specific policy variations and exclusions
Step-by-step enrollment checklist (15 minutes, no agent required)
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