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Why Disability Income Protection Plan?

Most people don't think of their income in terms of an "asset" such as a car, cash in the bank, or equity in their home. An individual's income is generally the sole contributing support for all their other assets. Yet a disability could occur at any moment due to illness or injury and your income could stop.

You have health insurance to help with any medical expenses, but what would you do if you become disabled? What will you do for an income? Where will you get the money you'll need to help pay those expenses that won't stop while you're not working?

Expenses like mortgage or rent, food, clothing, utilities, children's school expenses, bills that you normally pay from your income


Disability Income Protection

This is one of America's most overlooked financial needs. An individual's personal income may be a family's primary, if not the only, source of financial support.

Yet, while the average person has liability insurance for their car, fire insurance for their home as well as life and medical insurance, they unfortunately don't have any protection against loss of income caused by a disability.


What Causes Disability?

Many people believe that disability is the result of an accident, but that's not the only reason. Many disabilities are the result of sickness including heart disease, cancer, stroke, diabetes, arthritis, or back conditions, to name just a few.

To enroll in this program, click here.


Probability of You Becoming Disabled

(Per 1,000)*


Did you know that...
  • Nearly 1 out of every 3 workers over age 30 will suffer a disability lasting 3 months or longer at some time in their working careers.1
  • Nearly half of all home foreclosures are caused by an unforeseen disability.2
  • More disabilities are the result of illness rather than accidents.3
  • Disability causes nearly 50% of all mortgage foreclosures; 2% are caused by death.4
    Sources:
  • 1. American's Heath Insurance Plans, 2004
  • 2. Norton's Bankruptcy Law Advisor, 2000
  • 3. JHA Disability Survey, 2002
  • 4. Health Affairs, the Policy Journal of Health Sphere, 2 February 2005.