INDIVIDUAL DISABILITY

If you cannot go to work because of injury or sickness, who will pay your bills? Who will cover your loss of income? Workers Compensation will cover an injury on the job but there is a waiting period for the coverage to kick in. Statistics show that clearly two thirds of disabling injuries occur away from the workplace. Workers Compensation does not cover off the job injuries.

Disability insurance provides a partial replacement of your income. Medicine has found ways to keep people alive longer after serious illness such as heart attacks, cancer and stroke. That’s the good news. The bad news is that more and more people become partially or totally disabled after the doctor’s save their lives. How will you handle the medical expenses and the loss of income?

An injury or illness that prevents you from working can be financially devastating:

The facts are:

"In the last 20 years deaths due to cancer, heart attack and stroke have gone down, but not disabilities. Here are some of the things you need to know:

Currently there are 1.5 million people have left work in the U.S. and worldwide due to a disabling condition. Many workers never return to work following a disability.
Roughly 50% of all home foreclosures are due to serious medical problems, whereas only an estimated 2% are death related.*”

* Facts from JHA and AHIp’s Disability Fact Book

We offer Group Disability Plans, individual disability plans and individually underwritten disability plans sponsored by employers. Plans can be tailored to meet your individual needs.

Allow us to help protect your most valuable asset – your paycheck.


OHIO NATIONAL	ILLINOIS MUTUAL	MET LIFE