Disability Planning

Sober as it is to think about, accidents and illness happen every day. The U.S. Social Security Administration states that just over 1 in 4 of today's 20 year-olds¹ will become disabled before they retire. With over 37 million Americans classified as disabled and over half of those in their working years², from 18-64, it's easy to see the advantage of Long-Term Disability Insurance.

Between lost income and increased healthcare expenses, the financial strain a disability causes could create a serious gap in your potential retirement income. In a nutshell, Long-Term Disability Insurance—also known as income protection—protects your income in the event of a disability, keeping you financially healthy in case your life changes.

This valuable coverage provides you with monthly benefits to help pay for everyday living expenses should you become too sick or hurt to work.

Individual disability insurance can stand alone or supplement coverage you may receive through work. This policy will stay with you, even if you change jobs or careers, and you can customize the coverage for your needs and budget.

¹U.S.  Social Security Administration, Fact Sheet February 7, 2013
²U.S. Census Bureau, American Community Survey, 2011

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Retirement Savings Protection

As a complement to your Long-Term Disability Insurance, Retirement Savings Protection will help you continue contributing to retirement savings while you’re unable to work due to a disabling illness or injury.

Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices. Guarantees are based on the claims-paying ability of the issuing company.

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Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Wealthcare Advisory Partners a registered investment advisor. Wealthcare Advisory Partners and Fellows Financial Group, LLC are separate entities from LPL Financial. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, CO, DC, GA, FL, HI, IA, MD, MT, NC, OH, PA, VA, TX, WV.

Personal and Commercial insurance services are offered through Fellows Insurance Group LLC.   Fellows Insurance Group LLC is a separate entity from Fellows Financial Group LLC, LPL Financial and Wealthcare Advisory Partners.   LPL Financial, Fellows Financial Group LLC, Fellows Insurance Group LLC and Wealthcare Advisory Partners do not offer tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

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