Rocky Mountain LIfe Plus Disability Insurance Disability Insurance Protecting Your Income

If You Are Unable to Work, How Long Can You Continue Without Your Income?

Financial Planners recommend everyone have an “Emergency Savings Fund” of 3-6 months of expenses.

Sadly, the vast majority of Americans have less than $1000 in savings.

What is a Disability?

A disability is an event that prevents you from performing the core functions of your job.

1 in 4 people become disabled before retirement.

Common Conditions that Cause Disability:

  • Arthritis
  • Heart Disease and Stroke
  • Cancer
  • Mental Health
  • Diabetes
  • Nervous System Disorders (MS, Parkinson’s Disease, ALS, Epilepsy, Alzheimer’s, etc.)
  • Pregnancy
  • Accidents

What is Disability Insurance?

  • Disability Insurance replaces a portion of your income if you become disabled and are unable to work.
  • Short Term Disability – designed to cover a person for a short time – usually less than 1 year.
  • Long Term Disability – can cover a person for a period of time (i.e. 5 or 10 years) or to age 65

How do I Purchase Disability Insurance?

Many employers offer disability insurance as part of their benefit package

Individuals can purchase coverage for themselves.

Contact Us For A Consultation!