Long Term Disability

   


Can you survive without your paycheck? Very few people can. Your income is vital to making all of your other financial goals possible. You have an obvious need to protect it. Disability Income Insurance “DI” provides the ability to maintain the lifestyle for you and your family.

Who Needs Disability Income Insurance?

More than a quarter of today’s twenty-year-olds will become disabled, according to the Social Security Administration (SSA). It does not have to be a freak injury that prevents you from working – back injuries, cancer, heart disease and other illnesses are the majority of the reasons for long-term absences. Are you prepared if you can't work due to a long-term disability? The average long-term disability lasts 2 1/2 years; do you have the emergency savings to survive that long without an income? If not, you need to make sure you have disability insurance.

Individual Disability Insurance

Individual disability insurance offers multiple options for coverage, and a policy can be tailored to your needs. Since individual disability insurance policies are paid with after tax dollars, you don’t pay taxes on the benefits you receive.

Group Disability Insurance

Employers can sponsor disability plans which often have more lenient underwriting guidelines than individual policies and will also compliment individual DI you may already have in place. Short and long term disability plans are available. If your employer does not currently offer DI, contact us. We will be happy to engage in conversation of the importance of income protection.

 
     
 
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