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DISABILITY INSURANCE

LONG TERM CARE INSURANCE

The APsaA Voluntary Disability Income Protection Insurance Plan is offered through First Reliance Standard Insurance Company.

Should you be concerned about becoming disabled?

In the United States, a fatal injury occurs every six minutes. Disabling injuries happen much more often — every two seconds. And three out of five disabling injuries happen off the job, when you’re not covered by workers’ compensation.1

The Social Security Administration predicts that over the next ten years, the aging baby boomer generation work force will spark a predicted 37% increase in the incidence of disability.2
Approximately 30% of all people 35 to 65 will suffer a disability for at least 90 days, and about one in seven can expect to become disabled for five years or more.3  At age 35, you have a 50% chance of being unable to work for more than three months before you turn age 65.4

Most people have savings to cover less than six months of expenses. This savings could be depleted before Social Security Disability Income even begins to pay.5  Forty-eight percent of all home foreclosures are the result of disability, while only 3% of all foreclosures result from death.6

How can you protect your earnings if you become disabled?

The answer is disability income protection with insurance that pays benefits if you cannot work because of illness or injury.

NEXT: Benefits and Coverage Information

Sources:

1. National Safety Council, 1998
2. Spencer’s Research, 1997
3. Health Insurance Association of America, The New York Times, February 2000
4. Society of Actuaries, Money Magazine, April 2000
5. Business Almanac, 1997
6. Housing and Home Finance Agency of the U.S. Government, 1998

Benefits & Coverage

Eligibility & Costs

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