Employee Benifits Consulting Services 

Employee Benefits Consulting Services  





Major Medical
Limited Medical
Long-Term Disability

Disability insurance, like life insurance, is used to protect future earnings - disability insurance will replace your income in the event that you become physically unable to work. Although it gets less attention than life insurance, experts agree that disability coverage is at least as important.

While most people are prepared for the medical costs of severe injury or sickness (through health insurance), without disability insurance, they are not prepared for the loss of wages that accompanies such a tragedy. In general, if you count on your job to pay the rent and buy food, you should seriously consider disability coverage.

How would you pay your bills if you became seriously ill? When disaster strikes, itís easy to fall behind on mortgage and other essential payments. In fact, more than one-quarter of bankruptcy filers cited illness or injury as the reason for the filing, according to a 2005 issue of Health Affairs. This is why a salary replacement plan is an important benefit for you and your family

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