Sean is one of our very top valued clients. Listen to Sean share why he feels disability insurance is so important to protect his income, his family, his business and his employees and how he feels about working with us at Radwick Financial Group.
YOUR EARNED INCOME!
INSURE Your Greatest Asset!
If you die of cancer, do you get "SICK" first or "DIE" first? INSURE in the order that events happen. Disability Income Protection should come BEFORE Life Insurance.
Because they SEE THE NEED for it every day!
If you only have "Health" Insurance (Medical) but you don't have any comprehensive Disability Insurance (DI) you are only "HALF" covered. The doctors and surgeons get paid, the hospitals get paid, the pharmacists and physical therapists get paid - but WHO PAYS YOU???
If you were presented with two job opportunities, one WITHOUT any Income Protection and one WITH Income Protection, that paid 2% less in salary - but it paid you 67% of your income tax-free if you were totally disabled... which job would YOU choose?
All Injuries Or Illnesses On or Off The Job That Prevent You From Working and Earning a LIving.
W2 employees: 60-67% of your earned income.
Business owners: Up to 80% of your earned income, including salary and corporate distributions.
All benefits are 100% TAX-FREE!
After a 30, 60, 90 Or 180 Day Elimination Period (Waiting)
2-5 Years Per Incident Or To Age 65, 67 Or 70.
About 2-3% of Your Gross Income to PROTECT 60-80% of your earned income TAX-FREE
BASIC: Unable to perform the necessary duties of your occupation or any other occupation, which you could be reasonably expected to do - based on your knowledge, training, education, and experience.
OWN OCCUPATION: Unable to perform the necessary duties of YOUR actual specific occupation or profession.
DELUXE OWN OCCUPATION: Unable to perform the necessary duties of YOUR specific occupation or profession. You can still be paid FULL benefits and be on claim - AND be earning income at a different job and occupation at the same time. "Double Dippping."
IF YOU DIE OF CANCER... which comes first? Do you die first - or get SICK first? A doctors' job is to save you and keep you from DYING. But just because you are "ALIVE" doesn't mean you can make a "LIVING." Disability Insurance should come FIRST and Life Insurance should come SECOND.
Disability Awareness, Long Term Disability Claims Review, 2014
National Safety Council, Injury Facts, 2012 Edition
National Safety Council, Injury Facts, 2010 Edition
Illness and Injury as Contributors to Bankruptcy, Health Affairs, February 2, 2005
National Underwriter, 2002
Council for Disability Awareness
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