Health Savings Associates Insurance Services Inc
disability insurance
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Could you afford to live without your income?

If you have life insurance then you've already faced the possibility that your family could need financial protection in the event of your death. But what's far more likely is that you'll all need the financial protection disability insurance provides at some point during your working years.

If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income? It pays to protect your income and your assets from the financial setbacks of a disability. Disability income insurance, which complements health insurance, can replace lost income.

If you are employed, your employer or association-sponsored group disability insurance 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 wages.

One overwhelming advantage of personally owned disability insurance is that it cannot be reduced or terminated if you leave your current employer. With personal disability insurance, you pay the premium, you own the policy and benefits are paid to you directly. It is the best way to ensure adequate income in the event of disability. When you buy a private disability income policy, you can expect to replace from 50% to 70% of income. Insurers won’t replace all your income because they want you to have an incentive to return to work. However, when you pay the premiums yourself, disability benefits are not taxed. (Benefits from employer-paid policies are subject to income tax.)

We can help you protect your most valuable asset - your income. By talking with us about disability insurance, we can help you make sure you're protecting yourself and your family.

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