Disability Income Plans  

What Is Your Most Valuable Asset?  

For many, it is the ability to earn an income. Often people place more emphasis on insuring their home, car, possessions and lives. 

Not insuring your income could mean financial disaster for you and your family should disability strike.

According to the Health Insurance Association of America, one in 3 people between the ages of 36 and 65 will experience a disability that lasts at least 90 days, and about one in seven can expect a disability to last more than one year. According to the U.S. Social Security Administration, 2 out of 3 people have no disability insurance. To rely on social security alone for disability protection may not be wise. You would need to be 100% totally and permanently disabled. According to the Social Security Administration, approximately 60% of all applications for social security benefits are not approved. If you do qualify for benefits, Social Security will pay only a fraction of your income and in some cases, only 25% of your total income and you must wait 5 full months for benefits to begin! According to the Health Insurance Association of America, most Americans couldn't afford to miss more than 2 months of work without having to borrow money to make ends meet. Protect yourself and your family by protecting your income.

You may use your Accident Disability Income benefits for the following: 

• Mortgage or Rent Payments 
• Utility and Bill Payments  
• Groceries and Clothing  
• Non-insured expenses  
• Deductibles and Co-payments