I know May was Disability Awareness Month so you may be wondering why you are getting this in June – but I can’t help but think of how important Disability Programs are. In a recent polling of desired insurance programs by employees– Pet Insurance made the list and Long Term Disability didn’t – so distressing especially when 83% of working Americans prioritize protecting their family if they can’t work!

Disability Facts that concern me:

• Less than ½ of adults indicate they have enough savings to cover 3 months of living expenses if they aren’t earning income
• About ½ of adults say they can’t pay an unexpected bill of $400 without having to take out a loan or sell something.
• 41% of bankruptcies have to do with medical bills or the illness/injury of a family member.
• ¼ of 20 year olds will suffer a disability before they retire and the vast majority will NOT be work related

How can my team help?

• We can help you create new plans for groups that currently don’t have coverage. All we need is a standard census material including occs and incomes
• We can help you write the right plan for even high risk groups – tailoring coverage that provides protection and works with underwriters
• We are happy to do contract reviews for you on existing plans and highlight benefits differences

Why are our Disability Plans different?

• Can easily quote as non‐taxable at claim time – gross up plan
• Can provide coverage for bonuses and commissions as well as base salary
• Have key standard components that set us apart: Unlimited Return to Work, 80/80 Gainful Occupation, 2 Elimination Period for Trial Work Days, up to 110% or pre‐disability income paid as benefit when coupled with rehab benefit
• Our EAP Program stands alone – offering 5 face‐to‐face counseling visits, per member, per occurrence, one face to face legal visit, one financial consultation, a vast array of online information about life situations, travel, dining and home repair recommendations and of great
  importance Management Consultation Services for your groups. (Attached for your review)
• ER Paid and Voluntary Plans quoted with equal aggressiveness

We’re here to help you increase Disability sales and help 100% of working Americans protect their most important asset! We’re here to help 100% of working Americans feel confident that they ARE protecting themselves and their families should a disability occur. Let’s get to it!