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Your Personal Disability Quotient Here
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What
is Disability Insurance? |
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Request a Personalized Disability
Quote
Glossary of Terms |
Disability Income Insurance is insurance coverage
that provides monthly payments, up to a specified amount and
for a specific time period after a covered illness or injury
occurs. Insurance must be purchased prior to your illness or
injury. Disability Insurance provides a way to protect your
income and your standard of living.
What Does it Do?
Disability Insurance protects your most valuable asset—You,
and your ability to earn income. If you become disabled, you
most likely will not be able to earn enough income to cover
your continued living expense
Disability Income Insurance will provide monthly payments to
help meet your daily living expenses.
Who Needs Disability Insurance?
You may think you don't need disability insurance. The statistics
tell a different story.
Approximately 54 million Americans currently have a disability.
This figure represents 21% of the total population of the United
States. (1)
Each year nearly 1 in 5 people will become disabled for one
year or more before the age of 65. (1).
Nearly 50% of all home foreclosures
are caused by unforeseen disabilities. (2)
Nearly 70% of all disabled people
that apply, are rejected for Social Security benefits. (3).
* Social Security Disability Benefits are reserved for people
totally and permanently unable to do any job. It may not cover
all interruptions of income due to injury or sickness.
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Sources:
(1) McNeil, J.M. (1997) Americans
With Disabilities: 1994-95, "U. S. Census Current Population
Report," PP 70-61, Washington, D.C.: US Department of Commerce.
(2) Mortgage Foreclosures in the
U. S. (1990) "Million Dollar Round Table Reference Guide,"
PP 6.15.1.
(3) Social Security Annual Statistics
(1999) "Social Security Bulletin," Vol. 63, No. 2,
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