Disability Insurance
Protect Your Paycheck with Disability Insurance
The time to prepare for a disability is before it occurs. Our client advisors will help you prepare for unforeseen events by developing a comprehensive financial plan to protect you and your loved ones. Depending on your needs, this plan may include an appropriate amount of disability insurance to ensure you can enjoy your standard of living even if you are no longer able to work.
According to the National Safety Council, a disabling injury occurs every second and almost 90 percent of disabling accidents and illnesses are not work-related. If you have proper health insurance, it should cover the majority of your medical costs, but it won't replace lost income.
If a disability prevents you from working, your personal savings can be quickly depleted. Disability insurance is designed to replace wages lost due to sickness or injury, and is the best way to protect against financial catastrophe.
Disability policies are written to cover either a short-term disability with benefits paid for no more than two years, or a long-term event that pays benefits for the rest of your life. Waiting periods range from as little as 0-14 days to several weeks or several months.
Our client advisors work with insurance specialists to help you select a policy that meets your needs as well as your overall financial plan.
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