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.


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



Long Term




Summary.BC.Disabilty.Guide. Quick reference guide

Life and Disability products Sales guide 24.pages

Disability Income Video's

Joe Inger 

Charcot Disease

He had DI coverage

Joel Canfield


More Disability Video's from Life Happens.org 

More Video's from Ameritas

Monica Soltes story as she did NOT have Disability Coverage

Barry Shore – no relation – Real Estate Executive

Barry Shore, a 55-year-old real estate executive, was enjoying a normal life when a rare neurological disorder struck suddenly, causing him to lose all movement in his body.

Throughout his ordeal, money is one thing Barry and his family haven’t worried about thanks to smart insurance planning. Disability insurance payments have replaced more than half of Barry’s income. And long-term care insurance has provided more than enough to pay for in-home care as well as physical, occupational and water therapy.



Barry Shore: How Total Immersion Changed My Life


Definition Total Disability

Own Occupation…

Paycheck Video

 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

14 comments on “Disability Income

  1. How would you pay your mortgage, bills, food if you were not able to work?

    What medications do you take?

    What conditions are you monitoring?

    What is your most valuable asset?

  2. Is your risk protection package coverage up to date?

    How many units of protection do you need?

    Planning vs Policy

    OK, to say No… Rejection

    Goals, desire, action

    What you think about, is what will happen?

    Pandemic creates opportunity.

    Emotion vs Logic & Reason

    wealth replacement strategy

  3. 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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