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,
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.
Group and Employer Disability Paycheck Protection
Reasons to get Disability Coverage for your employees
- It replaces a portion of an employee’s income if they should ever become ill or injured and unable to work.
- SDI State Disability Insurance may not be enough!
- 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.
- Learn More – Blog Disability Can Happen.org *
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
Steve on Disability Income Protection
Email [email protected]
Our other Webpages on Disability & Unemployment Coverage
- Disability FAQs
- SDI State Disability Insurance
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
Links & Resources
Where did your paycheck go - living confidently.com/protect-your-paycheck learn more about disability.
Our webpage on SDI - State Disability Coverage
About Disability Insurance.com
Disability Insurance 101 Six Page pdf
Disability Buy – Sell
Free Advise.com Disability Insurance
UNUM News – Benefits
State Teachers Retirement System
Disability and Survivor Benefits
Art Fries claim advise can help you
Top 10 Disability Claim Mistakes LA Times.com
Law Help.org Disability
Mortgage Loan.com on buying a home for people with Disabilities.
Free Advise.com Disability Insurance CA Insurance Code – DISABILITY