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When you're healthy and working, it's hard to imagine being disabled by illness or injury. But it can happen. In fact:
- One in 3 working Americans will become disabled for 90 days or more before age 65.
- The average disability absence is 2 and a half years.
- More than 80% of working Americans don't have disability income insurance or aren't covered adequately.
What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn't work for months - or years?
You'd still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it's easy to see how savings could quickly disappear.
Unfortunately, you can't rely on other income sources like Social Security to protect you. In many cases, they don't apply - or aren't enough. For more information on other income sources, see below Think you're already protected?
Plan ahead to help protect your lifestyle. Then relax.
Insurance by Allied Brokers offers flexible Disability Income Insurance policies that:
Think about this:
Social Security disability payments are limited to disabilities expected to last at least 12 months or end in death. To qualify, you must be unable to engage in any type of work.
Personal Savings can best be used to build a comfortable future. Add up your monthly bills, then multiply by 12 and you can see how fast even substantial savings can be depleted by unexpected illness or injury.
Long-Term Disability Insurance offered through your employer is a start. But workplace disability benefits often times cover only about 50% of your income. Can your family survive on half of a paycheck?
Here are the other reasons why Group Long-Term Disability (LTD) may not be enough:
Give Insurance by Allied Brokers a call today to speak with an experienced broker, or email us at email@example.com and we'll contact you with more information for your decision-making.
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