Affordable Disability Insurance for the Individual or Small Business.
Let us guide you to the best choice in lost income protection!
Your life is going well – you’re healthy, your work keeps you busy, and you enjoy leisure activities with family and friends. Your paycheck keeps life in the balance by covering your monthly bills – food, utilities, house, car payments – as well as some entertainment.
When life is good, it’s difficult to picture being disabled by an illness or injury. But it happens – and it could happen to you. What would happen to your lifestyle, and those who depend on you, if your paychecks stopped suddenly because you were disabled and unable to work? What if you couldn’t work for a month…a year…or three years?
When a disability strikes, paying your bills can become an overwhelming problem. How would you manage? You could . . .
- Drain savings and retirement accounts - but how long would the money last?
- Get by on your spouse’s income – possible, but if you’re like most, your monthly bills depend on two incomes.
- Sell your home, car or other assets – then what?
- Depend on Social Security disability – not necessarily; less than half of disability applicants are approved.* Your disability has to be so severe that your are unable to do any work – not just your own occupation. If approved, benefits don’t start for five months. And your disability must be expected to last at least 12 months or result in death.**
You can make a choice today to protect your most important asset – your ability to earn an income. At DisabilityNE.com we help guide you through the many forms of income replacement insurance available on the market today and let you choose the one that fits your needs best.
Want to learn more about income replacement insurance? Click here to review a Building Blocks of Income Replacemnt Insurance Power Point presentation.
* JHA Disability Fact Book 2008
** 2008 Guide to Social Security and Medicare
