Group LTD Coverage

Taxation of benefits… Benefits are TAXABLE when premium is employer paid, creating a situation whereby only a maximum of 40% of income is retained (with 60% of income covered) AFTER taxes (see #2-3-8 below for other possible reductions). Benefit amount… usually 60% of income with be covered as mentioned above and that is NOT guaranteed,…

What are the most common causes of disability?

Injuries at work? Freak accidents? It’s true, they happen. But, the truth might surprise you. • Illnesses like cancer, heart attack or diabetes cause the majority of long-term disabilities. Back pain, injuries, and arthritis are also significant causes. • Most are not work-related, and therefore not covered by workers’ compensation. • Lifestyle choices and personal…

Why Insure Income

dis·abil·i·ty noun \ˌdis-ə-ˈbi-lə-tē\ : a condition (such as an illness or an injury) that damages or limits a person’s physical or mental abilities : the condition of being unable to do things in the normal way : the condition of being disabled : a program that provides financial support to a disabled person The Risk is…