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Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different; this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
Just when you thought, “it can’t happen to me,” consider this:
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3 in 10 workers entering the workforce today will become disabled before retiring.
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Over 6.8 million workers are receiving Social Security disability benefits; almost half are under age 50.
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More than 50 percent of the workforce has no private pension coverage.
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A third has no retirement savings. We certainly hope nobody becomes a statistic.
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Protect your most valuable asset with disability income insurance.
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