Disability income can help protect your most valuable asset, your ability to earn a living. When you can’t work, it can help you and your family:

• Keep a roof over your head
• Maintain your daily routines
• Rest easy knowing the bills will get paid

Disability income insurance provides a monthly benefit for loss of income because of covered injuries or illnesses. After a predetermined time period, it typically pays a percentage of your income for as long as you’re disabled, under the terms of your contract.

The Risk of Disability

According to The National Safety Council Injury Facts 2005-2006 Edition, a disabling injury occurs every second.

Nobody wants to think about becoming disabled, but ignoring the risks could result in a catastrophe. Research conducted by the Health Insurance Association of America indicates that most Americans cannot afford to miss more than two months of work without having to borrow money. However, borrowing often isn’t feasible because it can be tough to get approved for a loan without an income. Social Security will pay disability benefits, but only after a lengthy waiting period. You can tap your savings, but that will exhaust most workers’ savings in about two months. Selling your assets is a last resort – but you may not get fair value for your assets and then you’ll have nothing.

Disability Income Insurance Provides a Bridge

Disability income insurance provides a bridge over times of trouble. Disability income insurance can be designed to provide a significant portion of your regular monthly income (generally 60 percent) and benefits can be timed to begin according to need.

Is an accidental death and disability policy right for me?

Call us at 334-685-1805 for a no-obligation consultation. You may already have this coverage through your employer. If you are self-employed or not adequately insured, we can look at options for your needs and budget.