may already have disability income protection, but will your coverage
protect your current income and lifestyle? If you're like most
of our clients, your ability to earn a living may be the most
important asset that you own. In the world of disability it's
hard to argue with the numbers, but people take their chances
The numbers say that of all the
possible catastrophes you'll face, the most likely one is becoming
disabled. Do heart attacks just happen to "Older Folks"?
Absolutely not! 1.5 million Americans will have a first time heart
attack this year. 45% occur in individuals under age 65 and 5%
under 40. How about cancer? Over 930,000 people will be diagnosed
with cancer this year. These are facts of life and the real world
of the disabled. There are 14.2 million working age people that
are disabled today.
Disability: the reason for
48% of all mortgage foreclosures!
Consider this statistic: In a study conducted by the Housing and
Home Financial Agency ( HUD), 48% of all mortgage foreclosures
result from disability.
If a long-term (90 day) disability has lasted two years, it
will probably continue longer, possibly for life.