Why Do You Need Disability Insurance? Click here to see how to protect your most valuable asset

What does Disability Insurance Provide?

A group disability insurance policy provides an inexpensive way to help protect your income, your family, and yourself from loss due to an unexpected illness or injury.

Seminole State College Group LTD Plan Basics:

• Replaces 60% of your income tax-free to a maximum of $5,000 per month.
  
• Benefits begin after a 90 day waiting period.
  
• Benefits are payable to age 65.
• Optional Annuity Contribution Benefit. This benefit may be elected at an additional cost during your enrollment.
• Conveniently payroll deducted.

Many Americans put their financial security at risk because they believe a disability will never happen to them. Consider this:

• The Social Security Administration estimates that 3 out of 10 Americans entering the workforce will become disabled before they retire.
• Illnesses, not accidents, cause more than 90% of long-term absences.
• Every 90 seconds, someone files for bankruptcy in the wake of a serious illness, according to the American Journal of Medicine.
• Most workers believe their other benefits will cover lost income due to illness, when in fact nearly 90% of disabilities are not work-related and therefore not eligible for workers compensation benefits. (Council for Disability Awareness)
• Many people do not have adequate savings to cover the average long-term disability claim of 34.6 months, almost 3 years, long enough to cause a possible lapse in health care coverage.

Disability Information Resources:

For information about long-term disability, visit the official site for the Council for Disability Awareness