Disability

Disability Insurance is income protection for when one is too sick or hurt to work.

Disability is more common than you think, it can happen to anyone:

0
%

of 20 year old workers entering the work force today will become disabled before retiring.

Over
0
Million

workers are receiving Social Security Disability benefits, almost half are under age 50.

Disability often keeps people out of work:

  • An illness or accident will keep 1 in 5 workers out of work for at least a year during their working careers.
  • The average long-term disability absence lasts 2.6 years.
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Disability can cause financial hardship:

Paychecks

Two-thirds of American families live from paycheck to paycheck.

Illness

Unexpected illnesses and injuries cause 500,000 personal bankruptcies each year.

Foreclosure

Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death.

Social Security and Workers’ Compensation may not be adequate:

Accidents

Over 95% of disabling accidents and illnesses are not work related.

SSDI Benefit

The average monthly Social Security Disability Insurance (SSDI) benefit is $1,130.

Applications

65% of initial SSDI claim applications were denied in 2012.

Do you have a disability plan at work? If not, we should talk!

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Do you want to know your need for additional monthly income due to Disability?

Check out the LifeHappens Disability calculator