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is Disability Insurance?
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Glossary of Terms
| Disability Income Insurance
is insurance coverage that provides monthly payments, up to a specified
amount and for a specific time period after a covered illness or injury
occurs. Insurance must be purchased prior to your illness or injury.
Disability Insurance provides a way to protect your income and your
standard of living.
What Does it Do?
Disability Insurance protects your most valuable assetYou, and
your ability to earn income. If you become disabled, you most likely
will not be able to earn enough income to cover your continued living
Disability Income Insurance will provide monthly payments to help
meet your daily living expenses.
Who Needs Disability Insurance?
You may think you don't need disability insurance. The 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.
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).
* 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.
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(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
(3) Social Security Annual Statistics
(1999) "Social Security Bulletin," Vol. 63, No. 2, 2000