Know Your Odds ... Because It Could Happen to You

It's easy to think, "Disability won't happen to me." You may consider yourself young, healthy and at the top of your game. While no one chooses disability, the facts speak to disability affecting even the most unlikely candidates.

Consider these disability statistics:

  • More than one in four of todays' 20-year-olds will become disabled before they reach age 67. (Source: U.S. Social Security Administration, 2015)
  • Illnesses - not accidents - are the cause of 90 percent of disabilities. (Source: Council for Disability Awareness, 2014)
  • Only one in three workers have access to long-term disability insurance through their employers. (Source: U.S. Department of Labor, Bureau of Labor Statistics, 2015)
  • The average individual disability claim lasts 2.6 years. (Source: Gen Re, U.S . Individual DI Risk Management Survey, 2011)
  • Seven seconds - the amount of time that passes between incidents of working-age Americans suffering a disability injury or illness that will last for at least one month. (Source: Council for Disability Awareness, 2013)
  • One in eight works workers will be disabled for five years or more during their working careers. (Source: Council for Disability Awareness, 2013)
  • The average disability payment from the government is less than $1,200. (Source: U.S. Social Security Administration, October 2014)
About Disability Income Insurance

The Value of Your Gross Lifetime Earning Potential

​Two Employment Packages: Healthy vs Disabled

Protecting Your Most Valuable Asset

One day it's there, the next day it's not.

We often take our income for granted, even in the most secure of jobs. However, no one's income is guaranteed. If you suffered a serious illness or injury that prevented you from working, your income would stop. How would you live without a paycheck for weeks, months, or even years?

Life doesn't stop at disability. Your basic needs continue - food, clothing, shelter - even after your ability to meet the m is cut off. A long-term disability can be financially devastating when no money is coming in and expenses for medical care are rising. Your ability to earn an income is a valuable asset that can, and should, be well-protected. 

Is anything protecting your income?

​Your income is your most valuable asset and has the potential to be substantial over your working lifetime. But to earn it, you must be able to work. 

You can't predict whether or when a disability will strike. 

However, you can prepare in case it does, with a customized disability income insurance plan. This protection can replace a portion of your income to help maintain your current lifestyle if you suffer a disability covered by the policy.

Protect yourself and your lifestyle with disability income insurance.