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Disability Protection
How would you pay your bills if you couldn’t work? Could you maintain your standard of living? In an instant, a major medical event can threaten the long-term financial security of even those people who have thoughtfully planned for the future. Retirement savings and life insurance, while important, offer no financial relief from the staggering medical bills, daily expenses, and loss of income that can result from accidental disability.
If you are like most people, your earning potential is one of your most valuable assets. The chances that you may experience some kind of disability during your working years are probably greater than you expect. Disability insurance can help replace some of your lost income. Short-term disability provides income for up to two years. Long term disability may pay for five years, or to age 65. Employers often offer some type of disability insurance as part of their benefits package. Disability income benefits are paid after you are considered disabled and a waiting period has been met.
