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.

The top five chronic causes of workplace disability include:

Lower back disorders  ♦   Depression  ♦ Coronary heart disease, arthritis and pulmonary diseases  (Met Life) ♦  Disability Can Happen    CDC Statistics

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Disability - Facts & Statistics
Disability – Facts & Statistics
Top 5 causes of Disabilty
Top 5 causes of Disability – click to enlarge
Unum - Disabilty Video
Unum Disability Video
MetLife - Supplemental Individual Plan to add onto Group Disability
MetLife – Supplemental Individual Plan to add onto Group Disability
Why people don't get disability Coverage 15 pages
Why people don’t get disability Coverage 15 pages

Supplemental Individual – Add onto Group Disability –

MetLife – Will your coverage be enough?

Met Life Income Guard

Why Employers should include Disability for Employees

Child Pages


Insure Buy International Medical Coverage

InsuBuy International Medical Coverage – Instant Quotes & Enrollment

Visit our Medicare affiliate CA  Blue Cross  or  Blue Shieldwebsites

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