Sometimes people take their ability to work for granted. We figure our biggest asset is our home or the allocation of our retirement assets, but in reality, it’s our ability to work and earn a paycheck.
A disability insurance policy typically provides the policy owner with a certain percentage of replacement income — along with expenses that may not be covered by health insurance, such as specialized medical equipment — if they are unable to work due to illness or disability. Historically, disability benefits have been provided by employers, but their minimum amounts typically do not provide adequate income replacement. In recent years, having adequate financial and health care coverage has become the employee’s responsibility. This makes it more important than ever to research insurance options and determine how much you need to save for your family’s future, especially if you are unable to work.
We can inform you of your options for short-term and long-term disability insurance and help you determine what is right for your individual situation.
Your insurance professional is not permitted to offer, and no statement contained herein shall constitute, tax, legal or investment advice. You should consult with a legal or tax professional on any such matters. For guidance on your securities holdings, please consult with a broker-dealer representative or Registered Investment Adviser.
To schedule a time to discuss your financial future and the possible role of insurance or investments in your financial strategy, contact us at 800-566-1002 today!
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