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ISABILITY INSURANCE
Your paycheck allows you to provide for your family and lifestyle. It’s the source we rely on to meet our essential needs as well as some luxuries.

What happens when a sickness or injury prevents you from going to work and earning that paycheck? How would it impact your life?

The risk of total disability is greater than the risk of death between ages 20 and 65. Below are facts that illustrate the chance of becoming disabled at ages 30, 40, and 50. The more employees you have, the greater chance that one of them will become disabled before age 65. The more time your employees have until they reach age 65, the greater their chance of becoming disabled in that time.

 

 

 

Accidents happen, and we can’t always anticipate if or when we’ll be diagnosed with an illness, condition, or injury, which is why it’s important to have a disability policy that will help you pay your bills in the event that you can’t collect your normal paycheck from work.

Disability insurance provides partial income so you can pay your bills if you get too sick or injured to work. Disability happens to more people, more often than you may think.  In fact, more disabilities are caused by illness than injury, including common conditions like heart disease and arthritis, and most disabilities are not covered by Workman’s Compensation.

Some employers will offer short and long term disability benefits to their employees. Short-term policies help you immediately after an incident, and long-term policies help provide financial protection for disabilities that can last for years. You can also pay for additional coverage on top of the benefits you get at work to help provide extra financial protection.