More than 80% of Americans don’t have disability coverage, putting them at risk for major financial distress should a serious illness or injury impede their ability to work. Private long-term disability insurance should be a foundational element of any financial stability plan, helping clients recover when faced with the unexpected.

When asked to list their most valuable assets, many people would place a home, car, or 401K at the top of the list. And they’d be wrong. While those are important - even vital - pieces of living life, a person’s most valuable asset is actually the ability to make a living, working to pay their mortgage, fuel their vehicle, and fund that retirement account. If unexpected illness or injury derails those efforts, life quickly begins to unravel on all fronts. Research indicates that millions of Americans lack adequate savings to handle a medical emergency, even as healthcare costs continue to skyrocket. As a result of rising expenses, employers are often eliminating or reducing benefit offerings, creating a perfect storm of financial distress when employees cannot work due to illness or injury. Fortunately, private disability insurance is available to help meet financial needs when adversity comes knocking.