Disability Insurance

For most workers, the ability to earn a living is their most important asset. Although the risk of experiencing an income-limiting disability continues to rapidly rise among America's workforce, most workers are not prepared for or simply do not understand the potential financial consequences that a disability can create.

How would you pay your bills if your paycheck suddenly stopped due to sickness or injury?

  • Delete savings and investments?
  • Borrow from friends or relatives?
  • Create additional debt through the use of credit cards and/or home equity loans?
  • Borrow from your retirement plan or children's college fund?

Voluntary Disability insurance is an important benefit. It provides tax free income replacement allowing an employee to continue to pay everyday expenses such as: rent, food, car payments, insurance premium, college payments, etc. It helps a family maintain an acceptable standard of living through very difficult times.