Don’t Let Disability Steal Your Independence

Take a moment to think about yourself and three other people in your life. Maybe someone in your family, someone you work with, and a longtime friend.

Statistically speaking, one of you hasn’t read a single book in the last year.⁽¹⁾ One of you isn’t saving anything for retirement,⁽²⁾ one of you will get cancer,⁽³⁾ and, according to the Social Security Administration, one of you will be out of work for at least a year because of a disability.⁽⁴⁾

That last one is something you don’t hear much about, but it affects more people than you think — and it could affect you. That’s why working without long-term disability insurance is a bad idea. The good news is – there’s no need to live in fear. Our Zander Insurance Guides are here to help you make sure you don’t lose your independence because of disability.

What Is Disability Insurance?

Disability insurance is a barrier between you and loss of income by replacing most of your income if something unexpected happens and you become too sick or injured to return to work.

The illness or injury doesn’t have to take place at work, and most disability insurance claims are for things you may not even realize are considered disabilities – a heart attack, cancer, or injuries from an accident are just a few examples. These things can really happen to anyone.

Disability insurance premiums are generally pretty inexpensive, and will depend on several different factors, such as:

• Your age
• Your state of health
• The risk level of your work

For example, if you’re 30, healthy, and work behind a desk, long-term disability insurance can cost as little as 1% of your annual salary. This can be broken down into minimal monthly payments. As you age, however, your premiums will increase. If your health deteriorates, you may find it hard to qualify for an affordable policy at all.

What Happens If I Become Disabled?

If you’re part of the 68% of people⁽⁵⁾ working with no disability insurance, an injury or illness could put you and your family’s financial stability in jeopardy. Just imagine the financial stress of being out of work on top of trying to recover from an injury or disease that requires surgery, rest, and rehabilitation – or, even worse – if you find out you can never go back to work because of injury or illness.

Do you have enough cash saved up to replace your income for an extended period of time? Remember, long-term disability happens to one in four people. If you live your life without disability insurance, you’re rolling the dice.

Disability insurance allows you to take the time you need to heal without losing your paycheck. A good disability insurance policy will pay out between 60-70% of your current take-home pay, and Zander can help you find the right plan for you.

Disability insurance is a critical piece of keeping your future secure, no matter what life throws your way. Let our pros do the work for you and keep your family protected.