What happens when you can't make your mortgage or rent or car payments?

June 2009

What would you do if you became sick, got injured or were permanently diabled. The most common repsonse we get is - "it will never happen to me." Well here are some sobering facts.

Did you know that white collar males under the age of 35 have a 2x greater risk of becoming disabled for at least 90 days prior to the age of 65 than he does of dying before the age of 65.

Only 39% of the 21 million people who applied for Social Security Disability were granted Social Secuirty disability benefits.

Almost 3 in 10 workers entering the workforce today will become disabiled before retirement. (Social Security Administration Fact Sheet 1/31/2007)

43% of all people age 40 will have a long term disability event prior to age 65. (JHA Factbook 2006)

What will you do if your paycheck stops coming? Do you have sufficient savings to cover a month or two or three without any income stream? Does your current group disability cover 50% of your income? Are you a highly compensated employee whose disability insurance is capped at $100,000 of annual income?

We have solutions tailored to the highly compensated individuals, for the blue collar workers, for the small and large groups. We will tailor your plan to your income needs, your lifestyle, your industry and your age. This is not a one plan fits all scenario.

For a free, personalized evaluation of your needs, send us an email or call our offices.

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