Protect Your Income. Safeguard Your Lifestyle.
What happens to your finances if an illness or injury prevents you from working? For most individuals and business owners, the ability to earn income is their most valuable asset—yet it’s often the one they forget to protect.
At Brighton Securities, we offer both Short-Term and Long-Term Disability Insurance Services to help individuals and employers in Rochester, NY and across the region protect what matters most: their income. Whether you're looking to safeguard personal earnings or add a valuable benefit for your employees, we help you create a strategy that provides peace of mind, financial stability, and long-term protection.
Navigating the Real Risks of Short- & Long-Term Disability
Disability insurance is one of the most important—and often misunderstood—components of a solid financial plan. Many people assume they’re covered, underestimate the risks, or simply don’t know where to start. At Brighton Securities, we believe income protection should be simple, clear, and aligned with your life. Whether you’re evaluating personal coverage, exploring employer-sponsored options, or navigating self-employed risks, we help you make informed decisions with confidence.

Here are some of the most common questions we hear from clients - and how we help answer them.
Because Life Doesn’t Pause for the Unexpected. Disability Insurance Matters.
Disability insurance provides a critical safety net that replaces a portion of your income if you’re unable to work due to an accident, illness, or medical condition. While many people think disability won’t happen to them, the reality is that 1 in 4 workers will experience a disabling condition during their career. Without coverage, even a temporary loss of income can impact your savings, retirement goals, and overall lifestyle.
We work with top-rated insurance carriers to help you understand your risks, evaluate coverage options, and find the right balance of cost and protection—all as part of your broader financial strategy.
Income Protection Starts Here.
By aligning protection strategies with your existing insurance, retirement, and wealth goals, we help you build a resilient financial foundation that supports you during life’s unexpected challenges. Whether you need a personal policy or group benefits for your team, we’ll be there with expertise, options, and ongoing support.
Assess Your Current Income Protection Needs and Risk Exposure
We start by evaluating your current financial obligations, existing coverage, and the impact a loss of income would have on your lifestyle or business—so you know exactly what’s at stake and what coverage is needed.
Evaluate Your Coverage NeedsCompare Short- and Long-Term Disability Policies from Top Insurers
We provide transparent proposals from trusted insurance carriers, helping you weigh factors like benefit period, elimination period, premium cost, and coverage features to find the best fit.
Contact Us to Find the Right Policy for YouCustomize Individual or Group Plans Based on Occupation and Goals
Every profession has unique risks. We help tailor coverage to your specific role—whether you’re a business owner, executive, physician, contractor, or part of a larger employee group—ensuring it reflects your income level and career trajectory.
Start BuildingYour Plan
Integrate Disability Planning into Retirement and Wealth Strategies
Disability planning isn't just about today—it’s about protecting tomorrow. We incorporate income protection into your long-term wealth management, helping ensure that a temporary setback doesn’t derail your retirement goals or investment plan.
Contact Us to Protect Your Retirement PlanHelp Employers Implement Group Coverage as Part of Benefits Packages
Looking to strengthen employee retention and benefits? We assist employers in offering group short- and long-term disability coverage—designing packages that are cost-effective, compliant, and easy for your team to understand and use.
Help Your TeamGet Covered
Provide Ongoing Support as Your Career or Health Status Changes
Life and careers evolve—and your coverage should, too. We provide periodic policy reviews and updates to ensure your disability protection keeps pace with changes in income, job role, health, or family needs.
Support for Every Stage Starts TodayEducate Business Owners on Executive and Key-Person Disability Plans
We help businesses safeguard critical personnel by creating executive and key-person disability plans—protecting company operations and supporting continuity if a top performer becomes unable to work.
Start Executive Coverage Planning
Identify the Risks. Protect Your Income.
As your trusted financial and insurance partners, we go beyond selling policies — we build protection strategies designed to fit your life. Our team works closely with you to ensure your disability insurance supports your financial plan, protects your family, and safeguards the lifestyle you’ve worked hard to achieve.
Whether you’re employed, self-employed, or managing benefits for your team, we provide expert guidance and flexible options to help you plan for the unexpected. Proudly serving professionals and businesses across Rochester, NY, we’re committed to helping you protect what matters most — today and for the future.
Don’t Let the Unexpected Derail Your Plans
A strong financial plan includes protecting your income. At Brighton Securities, we help you choose the right disability coverage to keep your goals—and your life—on track.
Schedule a complimentary disability insurance consultation today to explore your options and build a smarter, safer plan for tomorrow.
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