• Infographic: Protecting your income

    When it comes to becoming to sick or hurt to work, many people think, "it won't happen to me." But are you willing to risk your dreams by betting the odds?

    See why you need to protect your income 
  • What’s your PDQ?

    Everyone should know their chances of not being able to earn an income. That's what your Personal Disability Quotient (PDQ) calculates—your own chance of being injured or becoming ill that could force you to miss work for an extended period of time.

    Find out your PDQ now 
  • 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 disabled.

  • 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.

  • Business Overhead Expense

    Can the business survive without the owner generating income for a month, six months or even more than a year.

  • Inadequacies of Long Term Care

    Your current employers group long term care plan provides a great foundation for your disability insurance program.

  • What is your most valuable asset?

    Protect your ability to earn an income with Individual Disability Insurance.

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New York Times Disability Articles

Disability Insurance

News about disability insurance. Commentary and archival information about disability insurance from The New York Times.

Fewer people are seeking and receiving Social Security disability benefits, reversing a long trend that had worried lawmakers about fraud and abuse.
Projections worsened over the past year for Medicare and Social Security’s old-age program, showing no sign of the economic surge promised after last year’s tax cuts.
After eight years of budget cutting, Britain is looking less like the rest of Europe and more like the United States, with a shrinking welfare state and spreading poverty.