Think Your Income is Protected?


Many people assume there is already a fallback plan to protect their income.
Here are some common ways people think they are covered:

However 36% of Americans usually live paycheck to paycheck.(1)
Would your savings be enough to cover everyday expenses for an extended period of time?

However Social Security may not cover all your expenses if you become disabled. In fact, from 2003 through 2013, Social Security disability claim denials averages 59%(2). And, the average monthly benefit for disabled workers is $1,192 (3)
Could your family live on that monthly amount?

Spouse’s Income
However many families rely on two incomes to cover monthly expenses.
Could you get by with just one income?

Employer Paid Long Term Disability Insurance
However, this type of group coverage often has limited benefits and not available to you after leaving the employer.
Did you know individual coverage can be used to supplement the employer’s group coverage and you can keep it if you leave the employer?

These options may not provide enough income to cover all of your monthly needs. Adding individual disability income protection can give you peace of mind knowing you have enough to help cover your needs.

Take Action!
Unfortunately, most people don’t realize how important protection is until it’s too late - after they become too sick or hurt to work. Get in touch with your financial advisor today and ask how to protect your loved ones.

Don’t have an advisor? Give us a call at 1.800.792.6795. We’d love to listen to your needs and set you up with someone who can help guide you.

(1) Career Builder, Survey, 2014
(2) Social Security Administration, Annual Statistical Report on the Social Security Disability Insurance Program, 2013
(3) Social Security Administration, Monthly Statistical Snapshot, October 2014



Business Underweriters Associates
Phone: 330.576.1100
Toll Free: 1.800.792.6795