Consider these facts:

• At the middle of August over 2.8 million Americans had already experienced a disabling illness or injury in 2022.¹
• According to a 2020 study, disability will keep one in four working Americans from work for a year or more before they turn 65.²
• 25 percent of today’s 20-year-olds will become disabled during their careers.³
• Less than half of American adults have enough savings to cover three months of living expenses if they’re not earning any income.⁴

So, what would happen to you and your family if you were to become unable to work due to a disabling injury or a prolonged illness? How long do you think you could maintain your current lifestyle without earning an income?

While we can’t predict the unexpected, we can prepare for it. Long Term Disability (LTD) insurance replaces a portion of your income when you’re too sick or injured to work. Benefits can be used for mortgage, utility and credit card payments, retirement contributions, student loans, childcare, and more.

Unfortunately, it’s often misunderstood and overlooked until it’s too late. The best time to apply for LTD insurance is when you’re healthy and employed.  So for those who are fortunate enough to be healthy and employed in these uncertain times, it’s the perfect opportunity to talk to an advisor about how to apply for LTD insurance.

Learn more about LTD and our exclusive 16% discount for alumni and family members

¹Council for Disability Awareness, disabilitycanhappen.org, as of August 17, 2022
²Maleh, J., & Bosley, T. (2020, June). Disability and Death Probability Tables for Insured Workers Born in 2000, Table A.
³Source: U.S. Social Security Administration Basic Facts, 2019
⁴Council for Disability Awareness, disabilitycanhappen.org/disability-statistic/