Top Ten Reasons

Not to Buy Disability Income Insurance

 You may have your reasons for not buying disablity insurance. But do you have the facts?

     10.  Social Security will take care of me.  Fact:  Social Security initially denies about 65 percent of all disability claims.*

      9.  I expect to stay healthy.  Fact:  Statistics show one in ten people, ages 25-64, suffer a disablility.**

      8.  It cost too much.  Fact:  The average annual cost is typically only 1 to 3 percent of what you earn.

      7.  My financial needs change so fast. What policy could keep up?   Fact:  Our Disability Income policies are flexible. You can change it as you need.

      6.  If my income increases but my health declines, I'll never get additional coverage.  Fact:  We offer two ways to increase your coverage without proving evidence of medical insurability.

      5.  I need more coverage, but I can't cancel my disability policy at work.  Fact:  Our Disability Income policies can help fill the gaps left by your current group coverage.

      4.  I would have to be totally disabled to receive benefits.  Fact:  There are two ways to protect your income in the event of a partial disability.

      3.  My family and friends will help me out.  Fact:  Are your loved ones in a position to support you? Do you want them to?

      2.  I can always do it later.  Fact:  People usually don't get healthier as they grow older, and coverage will cost more.

      1.  I can rely on my savings.  Fact:  Even with saving 10 percent of your salary, one year of disability could easily wipe out many years of savings.

      * Social Security Forum, Volume 21, No. 5 - May 1999(for fiscal year 1998)

     ** 1994 Statistical Abstract of the U.S.

Disability income insurance has limitations and exclusions.

For costs and complete details of coverage, contact International Corporate Benefits.

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