Background: Early 40s law partner at amlaw100 firm, earning mid 6-figs. have had Mass Mutual Radius IDI (with own-occupation rider, benefits to age-65) for past five years. A "mid-life crisis" finds me leaving big-law to start my own firm; not planning on taking any salary for the first year or two: living off savings and plowing all revenue into growing my firm. Question: if anything happens to me, and I have to make a claim, are there going to be any issues, given that I don't currently have a salary (though i'm obviously working full-time in my normal occupation as a lawyer). Thanks!