The basis of ANY sound financial plan should always include disability insurance. The inability to pay bills because of a disabling injury, or illness is the leading cause of most bankruptcies.

Click here to learn which occupations have the greatest number of working disabled.

Disability insurance is not designed to replace all of your income, but it can be designed to replace most of it. Many employers that offer and pay for disability coverage believe that they are providing a benefit to their employees. Unfortunately, the disabled employee ends up being taxed on the disability benefit, thus receiving far less than they bargained for!

We can show you a myriad of ways to design the best possible disability plan for either your business, or yourself.

Be careful when selecting a disability policy. Less expensive coverage is usually less expensive for a reason. Policy contracts can have substantial limitations. In other words, when you need it most, the coverage may not be there. Selecting the right coverage is vital, and can avoid headaches later.

Please contact us with any questions.