Individual Disability Income Insurance: Protecting Your #1 Asset--Your Income

What would happen if you were suddenly unable to work due to an illness or injury? How would you make your mortgage or rent payment, buy food or pay your credit card bills?  Disability Insurance helps to protect your income by ensuring that if you are unable to work because of illness or injury, you will continue to receive an income until you are able to return to work.  You insure your home, car and other important items, why not protect what pays for these things--your paycheck.

Who Needs It?

If you have a job, whether you are single, married, children or without--you should consider Individual Disability Income Insurance.

If you are a business owner, you need to protect the integrity of your business in order to maintain your business operations in the event of the loss of a key employee.  Sometimes, the most valuable assets of any business are the key people who contribute most to its success.

Key Person Replacement Insurance

Key Person Replacement Insurance provides benefits to a business if a key employee becomes totally disabled. If you are a small to medium size business with employees who have experience not easily replaceable, or you are a corporate executive, medical professional, attorney or engineer, Key Person Replacement Insurance is for you.

Did You Know?

  • 1 in 4 will become disabled before reaching age 67

  • 56 million Americans live with a disability

  • 1 in 10 live with a severe disability

  • 7 in 10 Working Americans couldn't make it a month before financial difficulties would set in

Your Options

  • Workers' Compensation- 73% of long-term disabilities are a result of an injury or illness that is not work-related, therefore would not be covered by Workers' Comp

  • State Disability Insurance- California is one of few states that provides short-term disability coverage for up to six months

  • Social Security Disability Insurance- Very hard to qualify for; 65% of applicants are usually denied coverage

  • Employer Sponsored- Check with your human resources department to see what is offered and the cost to you

  • Individual Disability Insurance- Is the most flexible option. Since you own it, you can take it with you if you change jobs. It generally pays between 40% to 65% of your predisability gross salary. When paid with after tax dollars, benefits are received income tax-free


Insurance Services

Bradley J. Fiene


949-606-8726 fax

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