Life Can Be Unpredictable, Keep Your Income Safe

When most people consider insurance they think about protecting their homes, cars, health and passing on a legacy. Oftentimes they neglect their most valuable asset, their ability to work and earn income. Your income is the driving force behind all the plans you set in motion: buying a house, planning for your children’s education, retirement and even vacations. If you were to fall ill or become injured and unable to work, how long would you be able to support your current lifestyle and cover any unforeseen medical bills?

What Is Disability Income Insurance?

Disability income insurance will replace a portion of your income should you become sick or injured and are unable to work for an extended period of time. Disability insurance will not replace all of your income, but on average, offers up to 50%-80% of your earnings on a tax-free basis.

Some employer-sponsored disability plans and worker compensation plans can provide a base layer of income replacement assistance during disability as well. However, most employer-sponsored plans do not pay the amount that an employee would need to meet their expenses and worker compensation plans only cover injuries that occur while on the job.

Why Is It Important?

• 1/3 of employed Americans will become disabled for at least 90 days at some point in their working career
• 90% of disabilities are due to illness, not injury 

Having a plan for the long term beyond a 3-6 month emergency fund is important not only to you, but for those who may rely on your income.

Protecting Your Future Today