What if you or an employee can’t work, because of 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.
This should come close to being equal to your current income, as you don’t have the expenses of going to work and lower taxes. 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.
Health Care Reform only pays for 10 essential benefits, not lost income.
Supplemental Individual – Add onto Group Disability –
- Brochures – Disability Coverage
- Broker ONLY
- Disability Alternatives – SDI
- Disability Calculators
- Disability FAQs
- Group and Employer Disability
- Video’s – Need for Disability Income Protection