"Disability Insurance protects your greatest asset — your income! It is a crucial part of any financial plan since it helps you pay your bills if you are unable to work due to injury or illness. It is just as important to have as life insurance. Remember to take the longer elimination period and use your emergency fund for short term needs. Consider the To Age 65 benefit period option if you can afford it, but the 5 year plan also provides valuable protection. Don’t forget to check with your employer to make sure they don’t offer a plan to avoid any costly overlaps in coverage."
Income to You
Most people don’t realize that their greatest asset is not their car, home or savings/retirement account. It is their ability to work…to earn an income. Without your income how will you pay your bills and save for the future? Disability Insurance, along with an emergency fund, helps minimize the impact a disability has on you and your family. It provides you important financial benefits at a period when your income is reduced or completely eliminated.
The statistics related to disability and the effect it has on families is devastating. The Senate Finance Committee reports that 70% of people between the ages of 35 and 65 will become disabled for three months or longer and 90% will occur “off the job". In addition 50% of foreclosures and 17% of bankruptcies are due to disability. With 43% of US families spending more than they earn and 72% not having enough savings to meet short term emergencies, the need for disability protection is crucial.
Our website was specifically designed to provide you an informative method to evaluate costs and coverages in an efficient, thorough and private manner. Our disability plans focus on providing the broadest eligibility for all types of professions and avoid add-on coverages which increase the cost and are not a good value.
Be sure to click on the “product information” tab above or call us toll free to learn more about our disability plans. Whether via the Internet, over the phone or in person...we look forward to being of further service.
People do far too often take for granted the ability to work! As someone suffering from disabilities, it's easy for me to see how important it is to be covered with Long-Term Disability insurance. It's so common to take for granted good health and good fortune; people seldom realize that these things can change without even a moment's notice. Though we may not be able to predict what life will throw at us, we can be prepared for it...so when we get thrown a real curve-ball, we can use that knowledge to hit it right out of the park!
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