Disability Insurance

Disability insurance pays benefits in case you are unable to work due to accident or injury. Coverage is for a percentage of weekly earnings up to a predetermined limit and is available for short- and long-term disabilities. Guaranteed issue underwriting is available. Affordable premiums are based on income covered and tobacco use.

There are numerous types of disability insurance, from bare-bones policies to those with many options. Your individual coverage will determine when your benefits actually begin, how much you receive, the limitations on your coverage, and how long you can receive benefits.

Could You Become Disabled?

If you don't think you could become disabled, here are some disability related statistics for you to consider:

• One in twenty people will incur an accident this year.
  
• One in four people will be disabled for one year or more before age 65.
  
• Women between the ages of 35 and 65 are 40% more likely than men to become disable for 90 days or more.
  
• Disability is the cause of nearly 50% of all home foreclosures
  
• Almost 21 million disability injuries occurred in the U.S. during 2001.
  
• In the home, there is a fatal injury every 16 minutes and a disability injury every 4 seconds.
  
• Disabiling accidents cost Americans more than $516 billion in 2001.
  

Individuals and families depend on their income for the lifestyle they enjoy, but an unexpected injury could change everything. Disability insurance helps assure the financial balance needed in the event illness or injury strikes.

Disability Products

Short Term Disability covers you for up to a year. This covers you for a shorter period of time. This type of policy can be used for injuries sustained in an accident, illnesses and maternity situations.

Long Term Disability covers you for a longer period of time, possibly until age 65. This is what most people think of when they think of disability insurance. It is the most important type of disability insurance. No one should be without it.

Comprehensive Benefits Agency carries Illinois Mutual’s disability insurance products. Illinois Mutual offers a wide range of high quality products backed by excellent customer service.

Agents - Go to Illinois Mutual now!