Short-Term Disability Insurance is Paycheck Insurance

If you became disabled, could you manage without your income?

Most people remember to insure their car, their health and their life. However, almost everything you own is based on your ability to earn an income. According to America’s Health Insurance Plans, 2005 Guide to Individual Disability Income Insurance, the risk of an extended disability during your career is greater than the risk of premature death. Disability insurance is not an “extra.” It is a “must.”

Nobody wants to think about becoming disabled. If it happened to you, how would you replace your paycheck? Disability benefits can help pay your mortgage, college tuition, health insurance payments or more.

Contrary to popular opinion, accidents and injuries are NOT the most common causes of disability. Only 10% of long-term and 14% of short-term disabilities are caused by injury (JHA 2002 U.S. Group Disability Rate and Risk Management Survey). A more common cause is illness.

When your employer provides you with the opportunity to purchase Voluntary Short-Term Disability Insurance coverage, you can protect your wages by taking advantage of affordable group rates. When you enroll in this coverage, you will be paid a percentage of your salary if you become totally disabled and are unable to work.

Provide yourself and your family with peace of mind by enrolling in Voluntary Short-Term Disability Insurance today and rest assured your income will be protected should you become disabled.

This is not the insurance contract. It is a brief description of Short-Term Disability Insurance.