Could you afford to live without your income?

Do you have life insurance? If so, you’ve already faced the possibility that your family would need financial protection in the event of your death. But what’s far more likely is that you’ll need the financial protection Disability Income (DI) insurance provides at some point during your working years.

Types of Personal Disability Insurance offered through Guardian

ProVider Plus* - The highest quality Disability Insurance around, only offered by Guardian/Berkshire Life Insurance Company

Retirement Protection Plus Program- You know the importance of planning ahead; that is why you’ve worked hard to set aside money for your retirement...

The Home-Based Business Owner - You’re the boss – and the receptionist, the CFO and the head of maintenance, too. So who pays the bills if you can’t?

Disability – A possibility you need to consider.

You probably take plenty of precautions in your daily life…you wear your seatbelt, you childproof your home, you have a working smoke detector.

Still, no matter how prepared you are, accidents do happen – at home, on the road, at work and at play. And disability can be the outcome. A sports injury, a car accident, an illness, a problem pregnancy, a heart attack, a serious back injury – any of these situations can result in your not being able to work at your usual job. That, in turn means a loss of income, even if you have a relatively sedentary job.

According to a recent study, most people estimate they have only a 16% chance of becoming disabled during their working years- in spite of the following startling facts**:

If you're under age 35, chances are one in three that you will be disabled for at least six months during the course of your career.

Men have a 43% chance of becoming seriously disabled during their working years.

Women have a 54% chance.

At age 42, it is four times more likely that you will become seriously disabled than that you will die during your working years.

Counting on your group Disability Insurance? Take a closer look.

Your employer – or association – sponsored group plan may not be all you think it is. It might, for example, insure you only if you are totally disabled – even though a partial disability could mean you were reduced to earning part-time income.

Plus, one overwhelming advantage of personal Disability Insurance is that it cannot be reduced or terminated if you leave your current employer. You pay the premiums, you own the policy -- and benefits are paid to you directly.

 

* Disability insurance Policy Forms 0100, 1100 or 2100 underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Policy forms NC111 or NC112 in California provided by Guardian. Products not available in all states. Product provisions and features vary from state to state.

** "Why Disability" booklet published by National Underwriter