Disability Insurance

Did you know that the average long-term disability claim is 31.6 months?

Do you have enough emergency savings to last this long?

Loss of income due to a disability can be devastating. Illnesses like cancer, heart attack or diabetes cause the majority of long-term disabilities. Back pain, injuries and arthritis are also significant causes.

To help individuals understand how prepared they should be, here are five questions you should ask yourself:

1. What are my monthly living expenses that would continue if my income stooped
   (i.e. mortgage, utilities, food, insurance, etc.)
2. How long would my savings pay for my monthly expenses?
3. Does my employer have a long-term disability program?
4. Could I afford my COBRA medical premiums?
5. What would happen to the contributions to my 401k?

Answering these questions is a good start to being prepared.

Call us today to find out more about the disability insurance options available to you.

WHAT’S YOUR PDQ?
Know your chances of not being able to earn an income. That’s what your Personal Disability Quotient calculates:

WHAT’S YOUR EIQ?
Find out what your income (your Earnable Income Quotient) is worth.
www.whatsmyeiq.org