You hope it never happens to you... but what if it does? The reality is one third of all Americans between the ages 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers. One in seven workers will be disabled for more than five years. The loss of income can be so devastating that 46% of all home foreclosures are caused by a disability, according to the U.S. Department of Housing and Urban Development. Disability insurance replaces a portion of your income if you become disabled and are no longer able to work.
Just because your employer is providing you with some disability insurance does not mean you & your family will survive economicaly. The best employer-provided group plans cover a maximum of two thirds of your pay. Most people cannot afford to live with less than their currect monthly income. Could you survive? A Policy Evaluation will help answer.
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