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Disability Insurance

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  • Disability Income Insurance
    Disability income insurance protects your most valuable asset: your ability to earn a living. It provides you with income should you become sick or injured and unable to work.

    Facts:
    • One in 3 working Americans will become disabled for 90 days or more before age 65
    • The average disability absence is 2 ˝ years
    • More than 80% of working Americans don’t have disability income insurance or aren’t covered adequately
    What is the Definition of Disability?
    Disability is considered either “Own Occupation,” which is the inability to perform the duties of your own specific occupation, or “Any Occupation,” which is the inability to perform the duties of any job for which your education and training qualify you.

    Disability Income Insurance policies:
    • Provide monthly income to help maintain your standard of living
    • Can be customized to fit your particular situation
    • Help you retain independence and dignity while not burdening others
    • Help keep your financial dreams and goals for the future intact
    Think you're already protected? Think about this:
    • Social Security disability payments are limited to disabilities expected to last at least 12 months or end in death. To qualify, you must be unable to engage in any type of work.
    • Personal Savings can best be used to build a comfortable future. Add up your monthly bills, then multiply by 12 and you can see how fast even substantial savings can be depleted by unexpected illness or injury.
    • Long-Term Disability Insurance offered through your employer is a start. But workplace disability benefits often times cover only about 50% of your income. Can your family survive on half of a paycheck?
    Disability Insurance Quote
    Don’t be confused by the number of choices available or by complex language. Give us a call and our specialists will help you in plain language.
    This is a general description of the available coverages and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. Life insurance products are available through our affiliate company, Benefits Consulting Group.



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