For most working individuals, their ability to earn an income is their most valuable asset. Without an income…
Disabilities can happen to anyone but what are the chances it will happen to you? Studies reveal that most people believe their chances of suffering a disability are just 2%.
As you can see from this chart however the chances of suffering a disability are right around 45% for most working Americans. Furthermore, the average duration of a disability is not a permanent event. It typically lasts around 5 years.
So the question that needs to be asked is: how do you manage your life during that time period from when you are disabled to when you return to work?
Group Long Term Disability Employer sponsored Group Long Term Disability (LTD) provides a good base for most individuals however there are several consideration for those planning to use it as there sole means of disability protection.
The Executive Benefits Group specializes in disability income protection and is dedicated to assisting employers and executives with analyzing their current disability programs. EBG will review your current income protection program and assist with identifying ways to insure gaps in coverage and provide plan design recommendations that will meet then needs of both the employer and their employees.
EBG provides full service implementation and post enrollment support. Through various communication touch points, we will educate your employees on the risks of disability and provide solutions for those who chose to insure against those risks.