Long Term Disability

Long Term Disability Insurance

A person’s ability to earn an income allows him or her to purchase a home, drive a car, fund a child’s education, save for retirement and accumulate wealth. Without the ability to earn an income, our lives are put on hold and our finances are likely to falter. Owning a long term disability insurance policy may ensure that your income will continue, even if an injury or illness prevents you from working.

The Value of Long Term Disability Insurance

Most professionals understand the importance of protecting their income, but few fully grasp how valuable their income really is. Consider the following examples:

• A 35–year old professional earning $100,000 will earn $3,000,000 throughout a career that extends to age 65 provided that he/she does not receive any increase in income.
• A 35–year old professional earning $250,000 will earn $7,500,000 throughout a career that extends to age 65, provided that he/she does not receive any increase in income.

About Long Term Disability Insurance

Every long term disability insurance policy is different and the options available should be carefully considered before applying with a specific insurance company. Review more information on long term disability insurance using the links below:

• Own-Occupation Definition of Total Disability
• Disability Insurance Policy Provisions
• Optional Policy Riders

Purchasing Long Term Disability Insurance

Getting started is quick and easy. Call 1-800-817-4522 or request a disability insurance quote. We’ll help you evaluate the most competitive options available to you, so you can select and apply for the policy that best suits your needs.