You've worked hard to build a successful career. The income you earn supports your family, your financial goals, and your lifestyle. That's why your income might be your most valuable asset - even more so than your house, car, or savings.
If you were sick or injured and unable to work, what kind of financial impact would the loss of your income have on you and your family? Disability insurance provides benefits to help replace a portion of your income if you're sick or injured and unable to work. It's financial protection that helps you focus more on your recovery and less on how you'll cover expenses.
In addition to your income, here are some of the most important things in your life that disability income insurance helps protect:
Your home
Your retirement
Your family
Your personal savings
Your lifestyle
3 years is the approximate average length of a disability absence from work
*source: Council for Disability Awareness, disabilitycanhappen.org 2018
How to determine how much disability income insurand is right for you
1. Calculate Your Expenses
You rely on your income to meet your financial needs. Your income helps pay the mortgage or rent and for everyday expenses like groceries, gas for your car or for childcare services.
2. Determine the Length of Your Benefits
You might want disability income insurance coverage to last for 6 months or to your retirement age.
3. Determine when you want Your Benefits To Start
You can choose when your disability benefits begin - from 30 days to 730 days after a disabling event.
Caldwell Insurance Group, LLC
10526 West Cermak Road Suite 307F, Westchester, Illinois 60154, United States
Phone (800) 531-4067 Fax (708) 505-6104
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