Disability Insurance   Get a quote

Did you know that the average Social Security disability payment is just over $755 per month?

Can you make it on that?

At age 35, you have a 1 in 4 chance of being disabled longer than 90 days sometime during your working lifetime!

Long Term Disability Insurance (LTD) is designed to replace a part of your income (usually up to 60%) if you are disabled for a long period of time. Most policies have a time-deductible (known as an "elimination period") before benefits begin. Usually this is 90, 180 days, though it can vary by policy and insurer.

If you have a good health history, you may be able to qualify for this valuable protection. Ask us about plans available - we'll be glad to help!

Resources:

Disability Special Report by WISER (2001)

       www.wiser.heinz.org

Consumer Federation of America LTD Brochure

       www.consumerfed.org