Disability Insurance Options

Disability Insurance Options

It isn’t your car, your home or your savings or investments.

It’s your ability to earn an income over your lifetime, the paychecks that finance the lives of you and your loved ones. Unfortunately, an accident or serious illness can rob you of your ability to work, your income and your financial stability.

No one wants to think about sustaining an injury or becoming seriously ill and being unable to work  but it could happen to you.

Amazingly, over one in four of today’s 20-year-olds will become disabled before reaching age 671. Besides the physical challenges, the inability to earn a paycheck, even for a short period of time  can impact your life and lifestyle for years to come.

When a disability strikes, paying your bills and out-of-pocket medical expenses can seem
overwhelming. How would you manage?

  • Drain savings and retirement accounts.
    But how long would that money last?
  • Get by on your spouse???s salary.
    Maybe, but if you???re like most families, your monthly bills depend on two incomes.
  • Borrow money.
    Without an income, it might be hard to qualify for a loan.
  • Sell your home, car or other assets.
    But then what?Depend on Social Security disability.
  • Not necessarily. Social Security follows a strict definition of disability. To be considered disabled under Social Security, you must be unable to perform work that you did before and deemed unable to adjust to other work because of your medical condition(s). Further, your disability must have lasted or be expected to last for at least one year or to result in death. If your application is approved, there is a six month elimination period before Social Security benefits begin.

A disability can put everything you???ve worked for at risk. A Disability Income Insurance policy can help protect your financial stability if you are disabled. The policy provides a monthly income to help you pay your bills until you get back to work. The premium you pay now is well worth the benefits this policy can provide if you become disabled.

Protecting your earning
power is what disability
income insurance is all about!


Make the choice today to protect
your most important asset ???
your ability to earn an income!