Long Term Disability Insurance

Long–term disability insurance is one of the most important types of insurance to have as a working professional. No matter your occupation or income level, the financial impact of a long–term disability can be devastating and irreversible. To begin reviewing personalized information, call 800–817–4522 or request a disability insurance quote.

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800-817-4522

Protect Your Income & Quality of Life

A person’s ability to earn an income allows him/her to purchase a home, drive a car, fund a child’s education, and accumulate wealth and retirement assets. Without being able to earn an income, our lives are put on hold and our finances are likely to fall apart. Owning a long–term disability insurance policy ensures that your income will continue, even if an injury or illness prevents you from working. With a reliable and steady flow of monthly income benefits during a claim, disability insurance is the most effective way to protect you and your family from the financial hardship of a debilitating injury or illness.

Importance of Long Term–Disability Insurance

Most professionals understand that disability insurance is something they should consider having, but they do not actually understand how vital it can really be. Consider the following examples:

• A 30–year old professional earning $100,000 will earn $3,500,000 throughout a career that extends to age 65 provided that he/she does not receive any increase in income.
• A 45–year old professional earning $150,000 will earn $3,000,000 throughout a career that extends to age 65, provided that he/she does not receive any increase in income.

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800-817-4522

About Long–Term Disability Insurance

Every disability insurance policy is different, and the options available should be carefully considered before applying with a specific insurance carrier. You can review detailed information on long–term disability insurance below:

• About Disability Insurance
• Disability Insurance Policy Details
• Disability Insurance Policy Riders
• Own-Occupation Definition of Total Disability
• Disability Insurance by Occupation

Long–Term Disability Insurance at Work

For many professionals, having long–term disability insurance at work does not necessarily indicate that you are properly insured. Before assuming that you are provided an adequate amount of coverage through your employer, visit supplemental disability insurance.

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800-817-4522