17 percent of American families (1 in 6) have at least 1 adult who is disabled from employment (Source: 2000 U.S. Census) 
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82 percent of American workers have inadequate or no disability protection (Source: Consumer Federation of America and American Council of Life Insurers, 2003) READ MORE
Disability Insurance IQ:
Four Groups Who Need Disability Income Protection – NOW
Are you protecting your most valuable asset?
Did you know your most valuable asset is not tangible? It is not your home, your car or even your retirement savings. It is your ability to work and earn a paycheck.
The value of your paycheck (multiply your annual earnings by the years until retirement) far exceeds the worth of all your other assets combined!
The only way to shield your future and your income is through paycheck protection. Disability insurance is the best form of income security. Though paycheck protection should be a priority to everyone, it is of paramount importance to four key groups:
- Baby Boomers – While earning your highest income and having the greatest debt load, a baby boomer runs a great financial risk if an injury or illness takes you out of the workforce. As 82 million boomers enter middle age, the need to insure earnings is heightened. If you are in this group, it would be devastating to work hard all your life and then lose everything because you didn’t have disability insurance to protect your income.
- The Sandwich Generation – The slice of life where you are supporting both your children and your elderly parents – this is the sandwich generation. Already pinched financially, incomes and savings can easily be devoured if a disability stops a wage earner from bringing home paychecks. For this age bracket, the smart move is disability insurance. Protect yourself and your family who rely on your income.
- Single Parents and Divorcees – Often unexpected and abrupt, many single parents and divorcees don’t have a backup plan to protect their earnings in this new situation. Your paychecks are important because you are single-income families with no one for backup. As a single earner it is even harder to create enough of a savings to cushion for an injury or illness. This is the perfect time for paycheck protection-the perfect time for disability insurance.
- Business Owners and Self-Employed Individuals – Being a business owner or being self-employed has many advantages. However, one major disadvantage is the loss of group coverage you can receive from an employer. Unfortunately, many don’t replace that lost coverage when they venture out on their own. That is a big risk. Your paychecks need protection, especially because incomes and earning patterns for the self-employed are already unpredictable – now add an injury or illness. Your company and livelihood don’t have to be at risk. Obtain disability insurance coverage today.
Chances are you fall into one of the above categories. If you do, don’t hesitate – get disability insurance protection now. You cannot afford to lose your income and your future!