Saving for retirement is about turning your future dreams into a reality. While many individuals will save for years or even decades to achieve the lifestyle they want, the path to that end goal can be full of unexpected surprises.
One obstacle you may encounter along the way is becoming disabled due to an accident or illness. Should you become disabled and unable to work, your future financial goals and objectives could be greatly affected. Incorporating a protection plan such as a Disability Insurance Retirement Protection policy will ensure funds are allocated towards your retirement, even if you are no longer able to work.

What is the Risk?
Nearly 40% of U.S households are expected to outlive their assets in retirement. Should you become disabled during your working years, the likelihood of depleting your assets during retirement will increase.
In addition, nearly 50% of all adults between the ages of 35 and 65 will experience a disability that will last for three months or more. Having a policy in place to ensure funds will be set aside for retirement will ensure your retirement dreams become a reality.
What is Disability Insurance Retirement Protection?
Disability Insurance Retirement Protection helps you continue to save for retirement even if you were to become temporarily or permanently incapacitated. If you become disabled, the policy pays a benefit in the amount of your retirement plans monthly contribution into a trust. The deposits are invested based on your risk tolerance until you reach age 65 or 67. Once you enter retirement, you can access the funds in the account as supplemental income.
In addition to providing protection for your own retirement, as a business owner, it can also be an excellent benefit for select employees or the entire staff.
Insure your tomorrow – Your retirement is worth the coverage
SOURCES DISCLOSURE
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© 2023 Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC. All Rights Reserved. The information contained herein is general in nature, has been obtained from various sources believed to be reliable and is subject to changes in the Internal Revenue Code, as well as other areas of law. Neither Oppenheimer & Co. Inc. (“Oppenheimer”) nor any of its employees or affiliates provides legal or tax advice. Please contact your legal or tax advisor for specific advice regarding your circumstances. No part of this brochure may be reproduced in any manner without the written permission of Oppenheimer & Co. Inc. 5681293.1