Assessing Your Need for Long/Short Term Disability Insurance

You may think the chances of becoming disabled are slim, but statistics tell a different story.

Approximately 54 million Americans currently have a disability. This figure represents 21% of the total population of the United States. 1.Each year nearly 1 in 5 people will become disabled for one year or more before the age of 65.1.Nearly 50% of all home foreclosures are caused by unforeseen disabilities.2.Nearly 70% of all disabled people that apply, are rejected for Social Security benefits*.3.

Should the unforeseen injury or illness occur, be prepared and protected with a Long/Short Term Disability Insurance Policy.

* Social Security Disability Benefits are reserved for people totally and permanently unable to do any job. It may not cover all interruptions of income due to injury or sickness.

1. McNeil, J.M. (1997) Americans With Disabilities: 1994-95, "U. S. Census Current Population Report," PP 70-61, Washington, D.C.: US Department of Commerce.

2. Mortgage Foreclosures in the U. S. (1990) "Million Dollar Round Table Reference Guide," PP 6.15.1.

3. Social Security Annual Statistics (1999) "Social Security Bulletin," Vol. 63, No. 2, 2000.