Income Replacement

According to recent studies, most people estimate they have only a one in six chance of becoming disabled during their working years¹ in spite of the following²:

• If you're under age 35, chances are one in three that you will be disabled for at least six months during the course of your career.
• Men have a two out of five chance of becoming seriously disabled during their working years but women have a fifty-fifty chance.
• At age 42, it is four times more likely that you will become seriously disabled than that you will die during your working years.

Disability Likelihood Chart

Disability Income Insurance pays you when no one else will

• Can you count on Social Security? Benefits are limited. The Social Security Administration estimates that the average monthly benefits in the Year 2000 for a disabled worker with a spouse and one or ³ more children will be $1,255 per month. The maximum you could collect is just $1,433 per month!
  
• Disability income insurance helps provide a substitute source of income to protect your livelihood and lifestyle if you are totally disabled and cannot work. Income replacement insurance will protect your lifestyle. Insure the income that supports it. Find out about disability income today.

RESOURCES

For a discussion of disability income basics:
http://www.pueblo.gsa.gov/cic_text/employ/lt-disability/insurance.htm

http://www.irs.gov/faqs/faq/0,,id=199752,00.html

Here is the Social Security definition of disability:
http://www.ssa.gov/dibplan/dqualify4.htm

¹Gallup survey of 508 respondents ages 30 to 65 reported by Best's Review
²"Why Disability" booklet, published by National Underwriter
³"Statistical Table – Disabled Worker”: http://www.ssa.gov/OACT/STATS/dibStat.html