Protect Your Income with Disability Insurance

The Facts About Long-Term Disabilities

• One third of people between ages 35 and 65 will suffer a serious disability.¹
• About 1 in 7 people can expect to be disabled for five years or more.²
• 48% of mortgage foreclosures are the result of a disability.³

What You Need to Know

• Disability insurance is affordable.
  Long-term disability coverage is one of the most affordable insurance coverages you can buy.
• Social Security disability benefit payments may not be enough to provide for you and our family.
  The average monthly Social Security disability benefit for a disabled worker in 2001 was only $789.⁴
• Workers' compensation does not cover non- work related injuries.
  64% of disabilities occur off the job and are not covered by workers' compensation.⁵

Ability Assist^® services offer personal assistance for insured employees, claimants and claimant family member with concerns such as childcare, substance abuse, childcare, family relationships, marital problems and work-life issues.

¹Life Insurance Fact Book, American Council of Life Insurance, 2001
²Health Insurance Association of America, The New York Times, February 2000
³Housing and Home Finance Agency of the U.S. Government, 1998
⁴Injury Facts, 2000, National Safety Council-U.S.
⁵Social Security Disability Insurance: Some Facts, AARP Public Policy Institute, February 2003