Comprehensive Disability Income Insurance
Custom designed income protection for your unique needs!
You...disabled? What are your chances?
Higher than you probably think. You can ignore the problem, but it’s hard to ignore the facts:
- Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire.
- Accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences.
- At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security.
- Only 40 percent of US households have enough in liquid savings to cover at least three months of their recurring expenses, and only 28 percent can cover at least six months.
- Three out of ten American adults indicate they can’t pay an unexpected $400 bill without having to carry a balance on their credit card or borrow money from friends, family, or the bank.
- Each year around 5% of working Americans will experience a short-term disability (six months or less) due to illness, injury, or pregnancy. Almost all of these are non-occupational in origin.
Are you prepared if it happens to you?
If you’re like most Americans, you don’t have disability insurance, or you only have employer paid group insurance. Do you have enough emergency savings to last more than 34 months? That's the average duration of a disability claim. If you become disabled, will you be ready? Or will you and your loved ones face serious financial hardship, possibly foreclosure, eviction, repossession, and even bankruptcy?
Good news! I can help you protect your paycheck!
Protect your paycheck to Avoid these Risks:
Repossession
Repossession
Repossession
A primary cause of car repossession is loss of income due to sickness or injury.
Eviction
Repossession
Repossession
One of the largest causes of eviction is loss of income due to sickness or injury.
Foreclosure
Repossession
Emergency Fund
The number one cause of home foreclosure is loss of income due to sickness or injury.
Emergency Fund
Group Insurance (STD & LTD)
Emergency Fund
Everyone needs an emergency fund to pay for a short-term loss of income. Paid sick leave, PTO, and paid vacation time can be used to bridge gaps when you can't work because you're sick or injured.
Group Insurance (STD & LTD)
Group Insurance (STD & LTD)
Group Insurance (STD & LTD)
Employer-paid group disability generally does not replace all of your income. The most common benefit plan replaces 66% of income, up to a $5,000 per month cap. That benefit is taxable, so actual after-tax replacement is less than half your gross income. Can you handle a 50% cut in your pay when you get sick or hurt?
Protect Your LTD Income Gap
Group Insurance (STD & LTD)
Group Insurance (STD & LTD)
You can protect your employer-paid group Long Term Disability income gap during a period of disability with an individual disability income insurance policy.
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