Where friends send friends for Disability Insurance.

If you would become sick or hurt and unable to work, how long could you make it without your paycheck? 

Disability insurance is vital protection that nearly everyone who works for a living needs to consider. 

Disability

  Disability insurance is a monthly disability benefit received while an individual is sick or injured. It provides financial assistance to cover those day to day expenses that do not stop while you are unable to work.  

 Think you might not need Disability Insurance?
Think again.

Plan on Relying on your savings?

  1. Myth
    - You can rely on your savings to pay your expenses during your time off from work.
  2. Truth
    - Disabling illnesses or injuries often last for months or even years.

Plan to obtain government assistance?

  1. Myth
    - Workers Compensation programs or Social Security will cover your expenses.
  2. Truth
    - Most long-term disabilities are a result of an injury or illness that is not work related and therefore would not qualify for Workers Compensations programs. - Almost half of those who apply for Social Security Disability are initially denied, and those who are approved receive an average monthly benefit barely above the poverty line.

Don't think you have a dangerous job?

  1. Myth
    - That if your job description does not require that you wear a hard hat, hazmat gear, or other safety garments, that you will not have to go on disability.
  2. Truth
    - The risks for a long term disability are high for all workers because illness, not accident account for 90 percent of disabilities.

You already have disability coverage through your work? 

  1. Myth
    - That your work has the right coverage for you and your needs for every situation.
  2. Truth
    - Disability benefits received through your employer MAY be taxed, reducing the actual benefit you receive. - Be sure to find out exactly what coverage you have to make sure it will meet your financial obligations if you become disabled.