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.

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