Obviously, your family will also feel the strain both emotionally and financially during this crisis. You must consider their perspective in such a situation as they will undoubtedly have questions and concerns. Are they worried about losing a major source of income? Are they thinking that they now must contribute financially to your needs? How will that impact their lives and compromise their goals?

So as a substantial income producer for the household, you have to ask yourself:

What if I can’t work any longer?

How will the bills be paid?

Will my family suffer because they have come to rely on my income?

Will I have to liquidate our entire savings and/or retirement to carry us through my disability?

What can I possibly do to help my financial situation at this time?

These are questions that certainly most of us would rather not think about. Many people, when presented with the opportunity to acquire coverage, either procrastinate or opt to take their chances without it not fully understanding consequences of their “inaction.” They might ask, “Why do I need disability insurance? Nothing will ever happen to me! And even if something did happen, my health insurance will cover it.” Maintaining this approach is literally gambling with the health and welfare of you and your family. Is that a risk you are willing to take?

What if your health insurance does not cover any or all of medical bills?

Who will pay your daily living expenses if your leave off work is longer than you think?

Do you have enough savings to cover an unforeseen absence?

What if you are not able to return to work?

In assessing these questions, it is clear the answer is long term disability insurance to protect your health, family’s needs, lifestyle and property against risk. Please fill out the above disability insurance quote form so that we can do our best to provide you with information and service that is specific to your needs.

Who needs disability insurance?
You may think the chances of becoming disabled are slim, but statistics tell a different story. Should the unforeseen injury or illness occur, be prepared and protected with individual disability insurance.

* Each year nearly 1 in 5 people become disabled for 1 year or more before the age of 65.1

* One in seven can expect to be disapbled for five years or more.2

* Almost half of all home foreclosures are the result of a disability. While just 3% are due to death.3

* Nearly half of the 1 million Americans who filed for bankruptcy protection least year did so after being sidelined by an unexpected illness or injury.4

* Nearly 70% of all disabled people that apply, are rejected for Social Security benefits*.5

* Social Security Disability Benefits are reserved for people totally and permanently unable to do any job. It may not cover all interruptions of income due to injury or sickness.

1. McNeil, J.M. (1997) Americans With Disabilities: 1994-95, "U. S. Census Current Population Report," PP 70-61, Washington, D.C.: US Department of Commerce.
2. Health Insurance Association of America, 2000.
3. Housing and Home Financing Agency of the U.S. Government1998.
4. New York Post, April 3, 2000. "There's No Insuring you Won't Go Bankrupt"
5. Social Security Annual Statistics (1999) "Million Dollar Round Table Reference Guide, " PP6.15.1