If you couldn’t work because you were injured in an accident or became ill, how would you make ends meet?  Think about what your income provides and what would happen to your lifestyle and dreams for the future if you could no longer work and earn a living.

    Look at the chart below to find out how much money you would expect to earn until age 65 (with a 5% salary increase each year).

    ANNUAL INCOME
    AGE
    $50,000.00
    $100,000.00
    $150,000.00
    30
    $ 4,516,000
    $ 9,032,000
     $13,548,000
    35
    $ 3,322,000
    $ 6,644,000
     $  9,966,000
    40
     $ 2,386,000
     $ 4,773,000
     $  7,159,000
    45
    $ 1,653,000
    $ 3,307,000
    $  4,960,000

    What’s your earnings potential?

    Help protect your most valuable asset – your ability to work and earn an income. Disability Income (DI) insurance can be a “life saver” when you need it most.

    Many people assume that if they became too sick or too injured to work, they could rely on Social Security or disability insurance benefits from their employer to replace their income.  Unfortunately, income from these sources is often unavailable or simply just not enough.  Even a short term disability could eliminate years of savings.

    Here are some typical responses from people who don’t want to buy Disability Income Insurance:

    • “Social Security will take care of me.”  Social Security initially denies about 65% of all disability claims. (Social Security Forum, Volume 21, No. 5 – May 1999).
    • “It won’t happen to me.” During the course of your career, you are 3 ½ times more likely to be injured and need disability coverage than you are to die prematurely. (Health Insurance Association of America 2000).
    • “It just costs too much.”  The average annual cost is typically only 1%-3% of what you earn.
    • “My family and friends will help me out.” Are your loved ones in a position to support you?   Do you really expect them to?
    • “I can always buy coverage later.”  People usually don’t get healthier as they grow older, and coverage will continue to cost more.
    • “I can rely on my savings.”  Even with a savings of 10% of your salary, one year of disability could easily wipe out many years of savings.
    • “I own a business that will continue to pay my income whether I am there or not.”  This is common, but when the “owner” is not available for significant business decisions, there is a huge potential for loss in productivity and quality.