According to a Gallup survey, most people estimate that they have only a 16% chance of becoming disabled during their working years.  The facts are startling:

• If you are under age 35, chances are one in three that you will become disabled for at least six months during the course of your career.
• Men have a 43% chance of becoming seriously disabled during their working years.
• Women have a 54% chance.
• At age 42, it is four times more likely that you will become seriously disabled than that you will die during your working years.

Human resource representatives and physicians are well acquainted with the challenge of obtaining adequate disability insurance coverage in a climate of industry consolidation, rising premiums costs, stricter qualification requirements, and eroding coverage due to additional policy exclusions and limitations

There are a number of different disability insurance polices you can choose from including:

• Individual Protection
• Retirement Contribution Protection
• Group Short Term Coverage
• Group Long Term Coverage
• Overhead Coverage
• Keyman Coverage

If you need additional assistance, please contact us.