Voluntary Disability Income insurance replaces part of your paycheck when you are disabled and unable to work. It can help you meet financial obligations when you don’t have a paycheck coming in.
What’s more, your disability insurance benefits are yours to use any way you want. Use them to help with:
- Rent or mortgage
- Credit card and automobile payments
- Child care and housekeeping
- Medical insurance copays and deductibles
Bottom line: Disability Income insurance helps protect your financial future by going to work when you can’t.
It’s that simple.
Why do you need it?
Take a moment now, to think about life as you know it. Then ask yourself this:
- If you get sick or hurt off the job, how would you manage life without a paycheck?
- How long could you go without a paycheck?
- Would you be able to pay your mortgage or rent?
- Could you afford the new expenses that come with disability?
Think about it
- 75% of Americans live paycheck to paycheck.1
- Unexpected illness and injury cause 350,000 personal bankruptcies each year.2
- More than 70% of American households rely on two incomes to make ends meet.3
Benefits may vary by state, may not be available, or may be named differently. Please refer to the policy/certificate for exact terms, conditions, exclusions, limitations and reductions.
1 “76% of Americans are living paycheck-to-paycheck”. CNNMoney. June. 2013.
2 Council for Disability Awareness, 2009
3 LIMRA’s life insurance consumer studies, 2010 Disability Insurance Awareness Month