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Products > Individual > Disability

If you were suddenly unable to work because of a disability, how would you continue to meet your financial obligations without a paycheck? Social security? Workers' Compensation? Savings? Family or friends? Social security requires you to be impaired at least 12 months and has a 5 month waiting period. Workers' Compensation provides benefits for only occupation-related injuries or illnesses. Most persons' savings are adequate only for a few weeks income. Family and friends probably don't have enough savings to help either.


Most of us think we'll never have anything happen to us that could prevent us from working. Unfortunately, the statistics tell us that 43% of adults age 40 or above will have a long-term disability event before reaching age 65. Disability is also the #1 reason for home mortgage foreclosures in the U.S.


Disability Income insurance replaces your income and helps pay the bills when you become sick or injured and cannot work. Disability Income insurance is available as Short-term Disability Income insurance, which usually provide benefits for up to two years, and Long-term Disability Income insurance which usually provides benefits up to age 65 or for your lifetime.


You insure your car and your home; let us help you insure your most valuable asset, your income.


Tolbert & Associates has partnered with Bolder Investment Group to provide disability income insurance coverage for our clients.


Please contact us or Bolder Investment Group today for more information.