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An accident or illness can happen to ANYONE at ANYTIME. Statistics show that there is a disabling accident in the US every second!…
If you were to become disabled tomorrow and couldn’t work for two or three months, would you have enough savings to cover your living expenses during that time?
We have options to match your situation. You may not realize the potential danger of becoming disabled. The U.S. Census Bureau estimates that you have a one in five chance of becoming disabled
Insurance pays a percentage of your salary if you become temporarily disabled, meaning that you are not able to work for a short period of time due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance). A typical STD policy provides you with 40 to 65 percent of your pre-disability base salary. These benefits generally last between three and six months. You can start receiving money from your STD policy with a waiting period of 0 to 14 days after becoming sick or disabled.
Also, the average long-term disability (LTD) absence from work lasts 2.5 years, according to the Council for Disability Awareness (CDA). That’s a long time to survive without a steady income.
LTD picks up where short-term disability (STD) leaves off. Once your STD benefits expire (generally after three to six months), the LTD policy pays you a percentage of your salary, usually 50 to 60 percent, depending on your policy. You will then receive benefits for two to five years or until you turn 65.
Protect your Family from Unexpected Disability.
If you are Self-Employed or your Employer does not provide Disability Insurance, Call to speak with one of our representatives today to see if you would qualify. Ask us about the differences between Short-Term, Long-Term & Accidental Disability Policies and which is right for you.