Short & Long Term Disability

Losing one’s income in any economic environment can be devastating. Without the safety net of disability insurance, both your present and future financial security is at risk. Almost one-third of Americans entering the workforce today (3 in 10) will become disabled before they retire. 30 million Americans between the ages of 21 and 64 are disabled and 62 percent of all personal bankruptcies filed in the United States in 2007 were due to an inability to pay for medical expenses. The true value of disability insurance outweighs its costs more than any other type of employer provided benefit, outside of medical insurance.

  1. Group Short Term Disability
  2. Group Long Term Disability
  3. Individual Disability Insurance
  4. Tiered and Carve-Out Plans, After-Tax and Pre-Tax Benefit Designs

In the past hour, nearly 3,000 Americans became disabled. That is 49 every minute. *