► If you have group long-term disability insurance through your employer, that’s a valuable foundation and a good start. But income from group long-term disability insurance is taxable and is sometimes not enough.
► You might not want to rely on Worker’s Compensation either. Most (95%) disabling accidents and illnesses are not work related, so Worker’s Comp doesn’t cover them.1
Source:
1. Council for Disability Awareness, Long-Term Disability Claims Review, 2014
Even if you have income from other sources, Individual disability income insurance fills in the gaps. And you own the policy. It’s yours to keep whether you change employers or not.
You don’t hesitate to insure your home, your car or other valuables, so why wouldn’t you protect your income? Think of it as insurance for your paycheck. Contact us at 915-255-9077