Disability Insurance

Disability Insurance Tips & Information

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Disability Insurance Tips and Information

   Your earning potential is a far more valuable asset than your automobile or your home. Disability insurance is designed to protect you from the possible loss of income. What's the possibility of this happening? It's more than you'd imagine. Why should you consider it? It's the only sure way to provide guaranteed coverage and guaranteed premiums.

What's the possibility of this happening?

Chances of becoming disabled for 3 months or longer before age 65*

Percentage 58% 54% 50% 48% 40% 30% 23%
Age 25 30 35 40 45 50 55

* Derived from 1985 Commissioners Individual Disability Table A.

Why should you consider personal disability insurance?

  • Worker's Compensation only covers work related accidents.
  • Unemployment insurance only covers 15 weeks.
  • Group and association coverage can fill a valuable role in long-term disability protection. However, the benefit may be limited by the definition of disability and coverage amount.

Remember, a custom designed individual disability plan will provide you with guaranteed coverage and guaranteed premiums!

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