What if a breadwinner, business owner, individual
or an employee can’t work, because of an accident or health problem? 

What plans to you have to pay the bills?

How long can you go without a paycheck?

A Disability Insurance Policy  can provide you with up to 1/2 of your regular paycheck or business earnings.  Social Security Disability and SDI might not be enough or work for you.  Having coverage is very important as  1/2 of all bankruptcies involve medical issues

Coverage up to 50% of earnings should come close to being equal to your current income, as you don’t have the expenses of going to work and lower taxes. One in Four of today’s 20 year olds will become disabled before age 67 and the length of time one is disabled is getting longer too. Standard Flyer *

The benefits are usually Income Tax free and of course, the Insurance Company wants to encourage you to go back to work, so they don’t want you to make too much by not working.

Take a look at the videos and brochures on this page,

Disability can Happen.org  *  Blog   * 

Where did your paycheck go – living confidently.com/protect-your-paycheck  learn more about disability.  

and our FAQ page to learn more.

Medical coverage under Health Care Reform only pays for 10 essential benefits, not lost income.

MetLife  Brochure – Will your coverage be enough?

Met Life Income Guard Brochure

Group and Employer Disability Paycheck Protection

Reasons to get Disability Coverage for your employees

  • Around 90 percent of all workers consider their ability to earn an income as their most important financial resource.
  • Increased benefit choices can increase employee loyalty to the employer.
  • Around 75 percent of employees consider benefits extremely important.
  • Around 80 percent of employees say benefits provide peace of mind.


Employer Group Long Term Disability –

Reliance Insurance Company

Standard Insurance Company

Supplemental Individual – Add onto Group Disability – MetLife – Will your coverage be enough?

Business Owner – Overhead Expense Coverage

Blue Cross Long & Short Term, Voluntary and Employer Paid

Short Term



Long Term




Summary.BC.Disabilty.Guide. Quick reference guide

Life and Disability products Sales guide 24.pages

Steve on Disability

Email [email protected] 

Disability Income Video's

Joel Canfield


More Disability Video's from Life Happens.org 

More Video's from Ameritas  

Monica Soltes on Disability Coverage

 Disability Insurance
Links & Resources

Disability can Happen.org  *  Blog   * 

Where did your paycheck go - living confidently.com/protect-your-paycheck  learn more about disability.


Our webpage on SDI - State Disability Coverage



STRS  State Teachers Disability

2 comments on “Disability Income

  1. I’m presently on STD Short Term Disability. I may have to utilize my LTD Long Term Disability benefit if I don’t improve.

    My biggest question is “what will happen to my medical benefits on LTD. I’m with Lincoln.

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