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?
Myth
- You can rely on your
savings to pay your
expenses during your
time off from work.
Truth
- Disabling illnesses or
injuries often last
for months or even
years.
Plan to obtain government assistance?
Myth
- Workers Compensation
programs or
Social Security will cover
your expenses.
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?
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.
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?
Myth
- That your work has the
right coverage for
you and your needs for
every situation.
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.