LifeHorizons Disability Income

You insure your home against fire and your auto against collision. Have you overlooked your most important asset—your ability to work and earn an income?

According to The National Underwriter Company's 2015 Field Guide, in the next year…

  • one person in 114 will die
  • one out of 96 homes will catch fire
  • one car in five will be in an auto accident
  • one person in 21 will become disabled

Have you planned for your most likely risk? LifeHorizons Disability Income insurance provides a source of income when you lose income due to sickness or injury.

Can you count on Social Security?

The Social Security program assumes that working families have access to other support and resources like workers' compensation, savings, investments and insurance during periods of short-term disabilities.

If you plan to use Social Security benefits to provide disability income, you should know that in order to be considered eligible for benefits, you must be unable to engage in any type of work and your disability must be expected to last at least 12 months or to result in death. And seven out of 10 eligible applicants are initially denied coverage. Could you wait six months for your benefits?

Plan your coverage

If you and your family depend on earned income, you should consider owning disability income insurance.To select the appropriate coverage for your situation, discuss your answers to these questions with your local independent agent:

  • How much of your income will you need to protect?
  • How long could you wait for disability benefits to start?
  • How long will you need disability benefits to continue?
  • Will you need to cover continuing overhead expenses for your business during your disability?

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