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If you became sick or hurt and couldn’t work, how would you pay your bills? How would you maintain your standard of living?
If you’re like most people, your ability to get up each day and earn an income is one of your most valuable assets. You may not know this but, the reality is that your chances of becoming disabled at some time during your working career are probably higher than you would expect. You say, “I have disability coverage through my job.” That is great, but how about if you leave that job? Your own personal disability policy is transportable, because you own it.
Disability insurance can replace a portion of your income when you are unable to work because of injury or illness. We have great companies that can provide the coverage benefit you would need so you can concentrate on your recovery.
Did you know...
The average adult between the ages of 35 and 65 has a 30% chance of being disabled for 90 days or longer.
Social Security only pays a limited benefit for severe disabilities that are expected to last at least 12 months or result in death. In 2002, only about 45% of people who applied for Social Security Disability Insurance benefits received them.
One year in a nursing home can average more than $50,000.
Bringing an aide into your home three times per week (two or three hours per visit) to help with bathing, dressing, meals and similar household chores can easily cost $1,000 per month or $12,000 per year.
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