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Your income ability to produce an income is probably your largest asset. Consider a 35 year old physician making $130K/year and if she continues working for 30 years with no pay increases, she would have earned a pretax total income of ($190K x 30yrs) = $5,700,000. Is it worth 2-4% of your income to be assured that if an injury or sickness occurred, that an insurance company would guarantee your $5.7 million would be generated?

Are you going to get injured or sick or die before the age of 65, probably not but what would happen if you did? We are here to help you weigh and balance the risks with the associated costs. [If you want to know more interesting statistics of disabilities in America, click on Dr. Benjamin Franklin above.] http://www.masters-in-special-education.com/disability/

Facts

Approximately 30% of all people 35 to 65 will suffer a disability for at least 90 days, and about 1 in 7 can expect to become disabled for 5 years or more.

Source: The JHA Disability Fact Book, 2003 edition from the Health Insurance Association of America

Of all people with disability in the U.S., 27% began their disability between the ages of 20-39.

Source: 2000 National Organization on Disability Harris Survey of Americans with Disabilities

Over 90% of disabling accidents and illnesses are not work related.

Source: National Safety Council, Injury Facts 2004 Ed.

Disability causes nearly 50% of all mortgage foreclosures, compared to 2% caused by death.

Source: Health Affairs, The Policy Journal of the Health Sphere, Feb. 2, 2005