Disability Insurance

How would you pay your bills if you were sick or injured?

If your paycheck suddenly disappeared because of a disability, you would still have to pay your mortgage or rent, utilities, car payment, groceries - and all the other monthly expenses.

Disability income insurance provides helpful benefits that will keep your family a float while you are recovering.

Disability income can help protect your most valuable asset; your ability to earn a living. When you can't work, diability insurance can help you and your family:

• Keep a roof over your head
• Maintain your daily routines
• Rest easy knowing the bills will get paid

Disability income insurance provides a monthly benefit for loss of income because of covered injuries or illnesses. After a predetermined time period, it typically pays a percentage of your income for as long as you are disabled, under your contract.

Did you know

Three out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for three months or longer.

Nearly 50 percent of mortgage foreclosures are caused by disability (only 2 percent are caused by death).

90 percent of disabling accidents and illnesses are not work-related.

Most people insure their possessions—their homes, cars, jewelry, boats, motorcycles. But many of these same people don't insure what is probably their most valuable asset — their ability to work and earn income. If you become injured or sick and can't work, will you be able to pay your bills and maintain your standard of living? If you depend on your income to pay the bills, you need to seriously consider buying disability income insurance. Disability income insurance can help you pay your bills by replacing a portion of your income. It can help you maintain your current lifestyle and protect you and your family from going into serious debt.