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610-948-4830     info@ronblackagency.com

Disability

Income protection for your most
valuable asset - your ability to earn an income.

Basics and highlights

We know that nobody likes to think about sustaining an illness or becoming injured to a point that you cannot work.  We also know that it does happen from time to time.  Your most valuable asset is not your home, your car or even your personal belongings - it's your ability to earn an income that will finance your family's livelihood.  An accident or serious illness can put a strain on that livelihood and your family's financial stability.  43% of all people aged 40 will experience a long-term disability before they reach age 65.  We can help you prepare a plan that if you do become disabled and you're not able to keep those paychecks coming in week after week.  Highlights include:

  • Issue ages 18-60
  • 30, 60, 90 or 120 day elimination period
  • 1, 2, 5, 10-year or to Age 65 benefits period

The following policy enhancements can be added to most disability income policies for a small fee:

  • Partial Disability Enhancement
  • Waiver of Premium
  • Home Modification Benefit
  • Vocational Rehabitational Benefit
  • Survivor Benefit
  • Own Occupation Rider
  • Guaranteed Insurability Rider

Disability Facts

Consider the following facts related to disability income insurance then give us a call to discuss your options:

Chronic diseases such as heart disease, cancer and diabetes are the leading causes of disability in the United States.

Chronic diseases account for 70% of all deaths in the United States, which is 1.7 Million each year.

These diseases also cause one or more limitations in daily living for almost 25% of Americans.