Be prepared for injury or illness.
1. What is your most valuable personal asset?
Most individuals underestimate the importance of ensuring your future income. Whether caused by injury or illness, your inability to work creates a hardship for your entire family. You could lose your home or ruin your credit history. Individual disability coverage can keep your help you maintain some financial security until you can get back on your feet or qualify for long-term assistance.
2. Are you a sole proprietor waiving workers’ compensation?
Depending on your occupation, we can obtain on and off-the-job coverage for injuries and illness.
3. Do you understand your current contract structure & have the proper enhancements?
We can help you review the disability terminology including waiting periods, COLA (cost of living adjustments), future income options, catastrophic benefits, lifetime continuation options, residual benefits, and MNDA (mental, nervous, drug, or alcohol) limitations.