Disability. When most of us hear the term, we picture someone injured in an accident. But the reality is far different: Multiple sclerosis. Parkinson’s. Anxiety. Musculoskeletal issues. Heart conditions. Back disorders. These are some of the leading causes of disability. They can strike any of us at any time. In fact, before age 65 the risk of having a long-term disability is almost 30% greater than the risk of death.
An employer-provided group long-term disability or LTD plan is a great foundation and one of the best benefit dollars to spend.
What’s worse is that you may discover this limit when it’s too late to do anything about it. May is Disability Insurance Awareness Month, and we invite you to have a conversation with us to learn how we helped this client bridge the gap and provide greater financial security for their key people.