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Individual Insurance › Disability  
If you're like most people, you depend on your paycheck to pay your monthly living expenses. But what would happen if you had a disabling accident or illness and could not work? Most people don't realize the risk of becoming disabled, permanently or temporarily, at some point in their lives. But the reality is - on average between the ages of 25 and 50 there is a 69% chance that you might be disabled for over 30 days or more.

When evaluating the chances of disability, and the loss of family income, you should carefully consider your sources of available funds such as:
  1. Your employer's disability income benefits
  2. The potential of long term Social Security disability income benefits
  3. How budgeting would allow you to anticipate using savings for a period of time before your disability income plan would become effective.
Make a Plan for Income Replacement
A disability income policy can help keep you financially stable during financially difficult times - by paying a monthly income, directly to you, when you are sick or hurt and unable to work. It is great as a primary income replacement plan or as a supplement to your salary continuation or group disability plan from your employer. Individual disability income payments are also received income tax.

You have the option to choose the combination of coverages that best meet your needs by selecting:
  1. The amount of coverage you need - flexible monthly benefit options
  2. The length of time you must be disabled before benefits begin - 60, 90, 180, or 365 consecutive days.
  3. The length of time benefits are paid to you - 1 year, 5 years, to the age of 67, or for a lifetime.
Disability Income policies include the following additional benefits:
  • Partial Disability Payments
  • Waiver of Premium Benefits
  • Rehabilitation Expense Benefits
  • Increased Purchase Options - without further proof of insurability
  • Cost of Living Adjustment Riders
  • Social Security Supplement Riders
Please contact us for our Facts on Disability Income Policies Brochure — let us help you compare providers and costs for this very important individual benefit

 

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