If You Can’t Work for 60–180 Days…
What Happens to the Business?
Download the FREE Guide:
“5 Things Every Business Owner Needs to Know
Before an Injury, Illness, or Accident Forces You Out”
A short, practical guide for business owners who want a plan for the “gap” — the recovery months when bills keep coming and revenue may not.
Want to See Your Risk in Numbers?
Most business owners have never done a simple “what-if” calculation for the recovery gap — how long you could keep income, payroll, and overhead stable if you were out of the day-to-day.
Use the calculator below to get a quick estimate, then book a short call if you want help interpreting the result.
"What Happens If You Can't Work for 90 Days?" — A Simple Stress Test for Business Owners
Most business owners insure their building, equipment, and liability — but rarely calculate the financial impact of being unable to work.
This calculator walks through a simple exercise: what happens financially if you can't work for 90 days? Take five minutes and fill this out honestly. The answers may surprise you.
Calculate what your household needs each month.
What must the business pay even if revenue slows?
Estimate resources currently available to you.
Divide your buffer by your monthly load to see your runway.
Most disability events are not permanent — but they can easily last 3, 6, or 12 months. Clients drift. Revenue slows. Growth stalls.
Recovery financially may take longer than recovery physically.
Enter your details to receive a personalized Business Protection Review from Kevin J. Gray.
No obligation. No pressure. Just clarity.
Kevin will review your numbers and reach out within one business day. In the meantime, book a time directly here.
Before You Retire and Lock In Your Pension Choice,
Book a Pension & Protection Qualification Call
This call is short and to the point. The goal is simply to confirm whether your pension elections are still flexible and whether we are a good fit to help—before you invest more time.
Please only book if you have not retired yet and have not made your final pension election with HR.
If you’re unsure, we can help you verify that on the call.
What’s Included in Your Free
Pension & Protection Qualification Call
Think of this as a fit check, not a full planning session. The goal is clarity, not a sales pitch.
Quick review of where you are in the pension process
Confirmation of whether your elections are still flexible—or already locked in
Brief discussion of what kind of help you’re looking for
Clear answer to: “Can Kevin actually help in my situation?”
Next-step options only if it makes sense (ability to schedule a longer, more detailed call)
Who You’ll Talk To
Pivar Financial Group
Kevin J. Gray, LUTCF
949 Aberdeen Ave NE
Renton, WA 98056
Office: (888) 949-3779
Cell: (425) 495-3796
● Licensed life insurance advisor for Washington State
● Works exclusively with first responders
● Over 1,000 pension reviews completed
Don’t Leave Your Retirement to Chance
It’s your pension. Your legacy. Your call.
Let’s make sure you don’t lock into something that costs your family—and that you know whether you still have options—before it’s too late to change your elections.
Custom Strategies for Families and Small Businesses
Contact: Kevin J. Gray, LUTCF, Financial and Insurance Expert — Renton, WA
+1 888-949-3779 (office) or (425) 495-3796 (cell)
Hours: Mon – Fri, 9:00 am – 5:00 pm — Evening and Weekend Hours by Appointment Only
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