Have you ever asked yourself if you're insuring your most valuable asset--your ability to earn a living? If not, you could risk losing your car, home and other possessions!
To help insure against losses like this, you may want to consider disability income protection. It provides income for you if you're disabled from an injury or illness-which could help you retain your possessions, your good credit rating and peace of mind, so you can concentrate on recuperating. Even if you have disability income insurance at work, I'll help you understand your coverages and we can supplement them, if necessary. Let's work together, because your income is well worth protecting!
"Protect income with insurance" AP column that appeared in the Forum on May 27, 2006
By Eileen Alt Powell
AP Business Writer
Q. Do I need to buy disability insurance? A. Most people think of disability as the kind of illness or injury that puts someone in a wheelchair, like a riding accident did to the late "Superman" star Christopher Reeve, or of problems that lead to hearing loss or blindness. But, in fact, "it's much more likely to be the result of back pain, diabetes, depression or hypertension," said Carol A. Harnett, an executive with The Hartford Financial Services Group Inc. "This is the face of disability in the United States today."
Harnett points out that many of these problems are the result of what she terms "lifestyle" shortcomings such as smoking, overeating and lack of exercise. But they still can result in extended absences from work. Many people think they'll be OK because they have workers' compensation insurance. This government-mandated insurance provides benefits to covered employees and their dependents if the employee is injured on the job. But Dave F. Woods, president of the nonprofit Life and Health Insurance Foundation for Education, or LIFE, pointed out that workers' compensation insurance "only covers you when you're hurt or sick in a work-related situation..and doesn't cover you for a nonwork sickness or injury."
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