Disability Income Insurance
Disability Income Insurance is a building block for a strong financial foundation; it goes to work when you can’t. Disability Income insurance is a product designed to provide financial benefits to you in the event of an illness or injury that prevents you from working. Employees rarely think about how an injury or illness puts their income at risk.
Approximately every 7 seconds a working age employee suffers a disabling injury or illness that will last for at least one month. The chance of missing work for three months or longer due to an injury or illness is greatly overlooked by employees. More than 25% of today’s 20-year-olds will become disabled before they retire.
Disability insurance policies consist of a base policy and various optional policy riders. These options can help make sure that the coverage is for your specific occupation and that the policy benefit keeps pace with inflation; guards against partial disabilities, and allow you the opportunity to purchase additional coverage without any further medical underwriting in the future. Disability income insurance policies are customizable to fit your needs. Contact us today for a complimentary disability income analysis.