Long-Term Disability Insurance | GEORGIABenefits, Inc.

Disability Insurance

Long-Term Disability Plans: Insuring & Ensuring Income

How long would your assets last if you suffered a debilitating illness or injury? We insure our home, cars, boats, and other prized possessions to ensure we sleep soundly at night. However ironic, we then forget to insure the value of our income that makes those prized possessions possible with a long-term disability plan.

Does this logic make sense to you?

In some cases, you may have disability benefits provided through your employer, though they may not cover your entire income.

Alternatively, you may not have access to employer sponsored disability plans and should consider safeguarding your income.

My job is to help you understand your options and the underwriting process for getting the coverage you need issued. Let's work together to protect one of your most valuable assets: the ability to earn an income.

I encourage you to talk today.

Reina Ruiz

Underwriting Director

Get the Facts About Disability

Disability income insurance is necessary and vital if you could not live without your current income. No one likes to think about what their life might look like if a long term disability occurred. However, the startling reality is that one in seven workers between the ages of 35 and 65 will suffer a disability lasting at least five years.

If you and your family could not live without your employment income, we need to talk about insuring your ability to earn an income. Check out some of the myths, truths, and facts we feel you should be aware of.

TRUTH:

In most cases, expenses increase due to increased medical care, home renovations to support disability access, and other considerations.

FACT:

Medical problems contribute to 62% of all personal bankruptcies filed in the U.S.

Approximately 90% of disabilities are caused by illnesses rather than accidents.

TRUTH:

The definition of disability for qualifying for benefits is stringent and difficult to meet.

FACT:

Over 67% of the claims filed for disability through Social Security are denied at initial submission.

Over 80% of claims are denied upon appeal.That leaves you possibly fighting for two to three years for benefits you may or may not qualify for in the future.

TRUTH:

Most Americans do not have enough emergency savings to cover an expense exceeding $1,000.

FACT:

Approximately 60% of Americans have no savings earmarked for emergencies.

MORE FACTS TO CONSIDER:

The average long term disability claim duration is 31.2 months.

How would your household expenses be paid?
How would your children complete their education dreams?
What impact could disability have on your retirement?

67% of workers in the private sector have no long term disability insurance. Are you one of them?

For more information, visit: www.disabilitycanhappen.org

The information provided is believed to be accurate at the time of publication. Neither Georgia Benefits, Inc. nor its employees are professionally affiliation with the Council for Disability Awareness. By leaving this site, you understand that external links lead to outside sources that Georgia Benefits, Inc. cannot be held liable for.