• Consider all the things that depend on your income: Rent, mortgage payment, car payment, food, utilities, etc.

• Your ability to earn an income is one of your most valuable assets.

• Whether you are employed by a company or self employed If you depend on your ability to earn an income to support yourself and your family disability insurance should be a part of your financial plan.

Can You Depend on Social Security

• 70% of all applicants that apply for disability benefits with Social Security are rejected.

• To qualify for disability benefits with Social Security the disability must be one that can be expected to result in death or which can be expected to last for a period of not less than 12 months.

• For most people even a short term disability of 3, 6, or 9 months would be financially devastating.

• Benefits are paid direct to you on a monthly basis when an accident or illness prevents you from working.
• You are fully covered on or off your job; benefits are paid in addition to workman's compensation.
• You must be employed full time; 32 or more hours each week to be eligible for this plan of insurance.
  
• Elimination period; your benefits can start 30, 60, or 90 days after an accident or illness prevents you from working and earning a paycheck.
• You can select how long you want your benefits to be paid; 6 months, 1 year, 2 years, 5 years, 10 years or to age 65.
  
• You can choose a monthly benefit from 45%-75% of your gross monthly income.