Disability Insurance

No one ever plans to have an injury or succumb to a medical condition. Making sure you have enough income to support yourself or your family if you become physically challenged and cannot work for an extended period of time is an important part of any finanical plan. Relying on SSI or workers compensation benefits is not a great strategy since many claims are denied, or may take months before you receive any benefits.

Disablity Insurance is an agreement made between insurance companies and the policy holders. In exchange for the monthly payments you make, the insurance company agrees to pay you a monthly benefit amount if you suffer a disablity that affects your ability to work. It's a form of insurance that insures the beneficiary's earned income against the risk that a disablity creates a barrier for a worker to complete the core functions of their work. It will provide income in the event a worker is unable to perform their work due to a disabling illness or accident.

Statistics show that in the US a disablity accident occurs on average , once every second. In fact, nearly 18.5% of Americans are currently living with a disablity, and 1 out of every 4 persons in the US workforce will suffer a disablity injury before retiring. Statistics have also shown that majority of disablities occur while the injured person is not working and therefore is not covered.

Your biggest asset is your ablity to make a living. That's why everyone who relies on a paycheck should have this coverage. If the thought of being off work and losing income for days, weeks, months or years is a concern, consult with one of our agent's at Global Empowerment Advisors.