Disability Insurance

There is no asset more valuable than your ability to earn an income. Serious illness or injury causing income loss can strike anyone, anytime. Everyone who earns a paycheck should consider disability income protection insurance.

Statistics show that if you’re 35, there’s a 45% chance you’ll be disabled for at least 90 days before you turn 65. Most employers offer only short term coverage, but you need coverage until age 65.

There are many types of policies that provide income protection. Look for one that : helps replace lost income if you’re hurt or sick; supports you during recovery, your back to work transition and provides coverage for rehabilitation. Disability income protection insurance can safeguard your family if sickness or injury takes away your most valuable asset: your earning power.

Source: Protect the asset you can least afford to lose. (1999, April). Memberline 8, #2.