Disability Insurance for Police Officers
Your life is going well – you’re healthy, your work keeps you busy, and you enjoy leisure activities with family and friends. Your paycheck keeps life in balance by covering your monthly bills – food, utilities, house, car payments – as well as some entertainment. Could it happen? When life is good, it’s difficult to picture being disabled by an illness or injury. But, it happens – and it could happen to you. Amazingly, 43 percent of today’s 40-year olds will experience a long-term disability before they reach age 65.* What would happen to your lifestyle, and those who depend on you, if your paychecks stopped suddenly because you were disabled and unable to work? What if you couldn't work for a month…a year…or three years?
What’s your plan? When a disability strikes, paying your bills can become an overwhelming problem. How would you manage? Drain savings and retirement accounts but how long would the money last? Get by on your spouse’s income – possible, but if you’re like most, your monthly bills depend on two incomes. Sell your home, car or other assets – then what? Depend on Social Security disability – not necessarily; less than half of disability applicants are approved. One easier solution is our disability insurance plan for Police Officers (get a brochure). With this plan you are protected on and off the job. Rates are very competitive and the plan offers many special riders.
* Your disability has to be so severe that you are unable to do any work – not just your own occupation. If approved, benefits don’t start for five months. And, your disability must be expected to last at least 12 months or result in death.**
Note: Government employees are allowed up to a $1,000 base benefit and up to the maximum Supplemental Disability Income Rider.
* JHA Disability Fact Book, 2008 ** 2008 Guide to Social Security and Medicare
