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VIDEO: INADEQUACIES OF GROUP LONG-TERM DISABILITY

Video: Inadequacies of Group Long-Term Disability

August 25, 2014

Inadequacies of Group Long-Term Disability

Many employers provide valuable group long term disability coverage to their employees and the monthly benefit this coverage provides forms a great foundation upon which to build your disability income insurance program. However, that group coverage on its own may not provide adequate coverage in the event in which you became sick or injured.

By design group long term disability plans typically protect up to 60% of your base salary and usually have a monthly payment cap of 5000 to 10000 dollars. Additionally if your group long

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DISABILITY BUY OUT

Video: Disability Buy Out

August 24, 2014

Disability Buy Out

Sharing ownership in a business has its own unique challenges, not the least of which is providing equity funding if one of the owners becomes disabled.

The question is: “If a business partner became too sick or hurt to work and could not return to the business, how critical would it be to the continuation of the business to have a plan in place and the means available to buy out the disabled partner?

For most businesses it would be very difficult to survive the effects of an owner becoming

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Video: Guaranteed Standard Issue

Video: Guaranteed Standard Issue

August 23, 2014

Guaranteed Standard Issue

Becoming disabled and not being able to work is one of the greatest financial risks American workers face. Over recent years serious disabilities caused by accidents and illnesses have increased dramatically and this trend is going to continue as life extending technologies grow, are populations age and the general health of the American work declines due to such things such things as obesity, diabetes, hyper tension and heart disease.

According to the council for disability awareness over one hundred million workers did not private disability income insurance. They further

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