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Disability Insurance
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If you were unable to work because of an illness or serious accident, how would you pay for what your health insurance won't?

If you are like most of us, you probably don't have much cushion for the unexpected. What if you got hurt off-the-job, would you be covered?

You and your family rely on your income. If you were unable to work because you became ill or suffered a serious accident and were unable to work, could you still cover your everyday living expenses?

Disability Insurance replaces a portion of your income if you become unable to work because of a covered illness or injury. This income can help you continue paying:

bulletMortgage or rent payments
bulletUtility Bills and other household expenses
bulletFood, clothing and other necessities
bulletCo-Payments
bulletMedical costs not covered under other plans
bulletTravel and lodging expenses for treatment

Disability Insurance Facts:

bulletEvery 10 minutes, 441 people suffer a disabling injury.
bulletAccording to the Social Security Administration's Annual Statistical Supplement, 2005 draft, the average monthly benefit for disabled workers in December 2004 was $1002 for men and $765 for women.
bulletWorkers Compensation may cover you on the job, but ab out three-fifths of the disabling injuries suffered by workers in 2004 occured off the job. 

If a few weeks of missed work would make it hard to keep up with the bills such as: mortgage/rent; care payments; utilities; and credit card payments; and you have insurance coverage, but all your expenses won't be covered, what would you and your family do to make ends meet?

This is where you supplemental Disability Insurance can help, because it works in conjunction with other insurance you may have individually or through your employer. You can use the policy on it's own or to fill a benefit income gap in your other policies so you and your family can still maintain your lifestyle until you're back at work. 

Plan Highlights:

bulletYou're paid regardless of any other insurance you may have with other insurance companies.
bulletBenefits are paid directly to you unless you specify otherwise.
bulletYou may choose the amount of your disability benefits to meet your needs, subject to income.
bulletYour coverage is guaranteed renewable to age 70.
bulletIf you chance jobs or leave your employer, you can take your coverage with you. 
bulletYou're covered worldwide for up to 60 days. 

 

 

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Copyright © 2009 Peoples Benefit Solutions
Last modified: December 06, 2009