May is Disability Awareness Month. How much do you know about the importance of disability insurance?

To put it simply, if you have a job, you most likely need disability insurance. You may think the possibility of a disabling illness or injury is slim, but statistics say otherwise. According to the Life Happens, a non-profit organization:

• You have a three in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at some point during your working career.
• 90% of disabilities are caused by illness, not accidents.
• A 25-year-old worker who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings.

Unfortunately, many people are totally unprepared for the financial hit that disability can bring. Imagine that you’re suddenly unable to work. Without an income, you exhaust your savings to pay for your mortgage/rent, gas, groceries and other necessities.

Don’t take the chance that it won’t happen to you. You insure your car, your home, your valuables—why not your income? Disability income is designed to help you meet expenses and maintain your standard of living if you’re unable to work due to a sickness or injury. If you’re interested in learning more about this valuable coverage, contact us at Neckerman Insurance Services. We partner with a number of disability insurance carriers that can tailor a policy to fit your personal needs.