Disability Insurance

Disability benefits are payments that provide income when an employee can no longer work due
to an illness or non-work related accident.

Disability insurance is an insurance product designed to replace anywhere from 45-60% of your
gross income should a sickness or illness prevent you from earning an income in your occupation.

Did you know that about 30% of Americans will suffer a long term disability
of 90 days or more before they reach the age of 65?

The reality is only 13% of disabilities are due to injury, most disabilities are caused by illness.

(Source: National Institute on Disability and Rehabilitation Research, Disability in the United States
Prevalence and Causes, 1992)