most valuable asset is your ability to work and earn an income.
depend on your income for the necessities of life -- food, shelter
& clothing. What would happen to you and your family, if you
were to suffer a disability and could no longer earn an income?
the following statistics:
the ages of 35 and 65, seven out of ten workers suffer a disability lasting 3 months or longer*.
the United States, 46% of conventional housing foreclosures are
the result of a disability lasting 3 months or longer **.
most people, a disability means not only having difficulty meeting
their financial obligations, it may also mean increased medical
expenses. Some of these increased expenses aren't covered by their
health insurance plan.
combination of short and long term disability provides employees
with continuous income protection in case of a disabling injury
or illness. These plans are available with a variety of benefit
Safety Council, Commissioners' Disability Table, National Center
for Health Statistics, as quoted in Disability Income Concepts,
Pictorial, Inc. 1995
**FHA as quoted in Disability Income Concepts Pictorial, Inc. 1995