Did you know that the average Social Security disability payment is just over $755 per month?
Can you make it on that?
At age 35, you have a 1 in 4 chance of being disabled longer than 90 days sometime during your working lifetime!
Long Term Disability Insurance (LTD) is designed to replace a part of your income (usually up to 60%) if you are disabled for a long period of time. Most policies have a time-deductible (known as an “elimination period”) before benefits begin. Usually this is 90, 180 days, though it can vary by policy and insurer.
If you have a good health history, you may be able to qualify for this valuable protection. Ask us about plans available- we’ll be glad to help!