Disability Insurance

70% of all people who are age 30 will suffer at least one disability due to injury or illness lasting 90 days or more prior to age 65.

Find your age group in the table below to see your statistical risk:

Age	Ratio	Percentage
20	4 out of 5	80%
25	3 out of 4	75%
30	7 out of 10	70%
35	2 out of 3	67%
40	2 out of 3	67%
45	1 out of 2	50%
50	1 out of 2	50%
55	1 out of 3	33%
60	1 out of 5	20%

You need disability insurance to provide proection from the financial disruption of a disabling injury or illness.

For a free Disablity Insurance Quote Request, please click here.

Your current protection may not be adequate.

Generally there are five sources of disability insurance: State, Worker's Compensation, Federal, Employer, and individually purchased insurance.

In California, worker's compensation benefits will provide some level of benefits for injuries sustained on the job. Unfortunately, most disabilities occur outside the workplace and are not covered by worker's comp.

The federal government through the Social Security Administration provide long-term disability benefits. The benefits usually max out at approximately $1,200 a month ($2,000 if you have two or more children), have long elimination periods -- 5 months -- and stringent criteria for eligibility (e.g. Social Security requires that you be unable to perform the duties of any occupation). To illustrate: if a surgeon suffered a serious head injury and was no longer able to practice medicine, but still had the ability to perform minimal tasks, he/she would be ineligible for social security disability benefits because he/she could still perform the duties of some occupation.

For a free Disablity Iinsurance Quote Request, please click here.

Disability Glossary