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Your Livelihood, Your Lifestyle & Your Future
Unless you're independently wealthy, both you and your family count on your income to pay for living expenses like food, clothing, mortgage, transportation, insurance, medical care and so on.

It's a simple fact: If you become disabled and cannot work in your usual occupation (and are not working in any other occupation), your paychecks will eventually stop coming but the bills won't. Disability income insurance is all about making sure you and your family have the money to weather the financial effects of a long-term disability.

Think it can't happen to you? Think again. If you're between the ages of 30 and 50, there's a 42 percent probability you could become disabled for 90-days or longer between now and retirement. Not only that, according to the National Association of Insurance Commissioners' Standard Ordinary Tables, you have a one in seven chance of being disabled for five years or more before you retire.

Can You Count On Social Security?
Social Security only pays benefits if you are unable to engage in any substantial gainful employment and your disability has lasted or is expected to last for a continuous period of at least 12 months.*

Plus, benefits are limited. The Social Security Administration estimates that the average monthly benefits in the Year 2000 for a disabled worker with a spouse and one or more children will be $1,255 per month. The maximum you could collect is just $1,433 per month!**

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