DISABILITY INSURANCE 101

Your most valuable asset

When we think of our most important assets, it's easy to forget that our income may be the one that needs protection most.

• Maternity leave
• Cancer treatment
• Back injury

Focus on recovery

Benefits from A disability insurance plan can replace part of your income so you can focus on recovery instead of worrying about your ability to pay the bills.

• Short term disability coverage provides benefits when you are unable to work for a short period of time due to a covered illness or injury. These policies typically cover periods from 13 to 52 weeks.
• Long term disability coverage provides benefits when you are unable to work for a longer period of time and may last until you are able to return to work.
• Individual disability coverage can help supplement long term disability benefits by protecting a higher percentage of income or covering types of income like commissions and bonuses that may not otherwise be covered.

Some employers provide group disability benefits at no cost to employees or give employees the chance to buy higher levels of protection. You may also be able to purchase individual disability coverage through your employer.

It pays to know what disability coverage is available to you and how much protection you or your family needs.

SINCERELY,

RASHAUN PAGE