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Radwick Financial Group LLC
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    • About Us
    • Testimonials
    • Our Partners
    • Book Online
    • Disability Insurance
    • Life Insurance
    • Retirement Planning
    • Business Overhead Expense
    • Business Insurance
    • Career Opportunities
    • Contact Us
  • Home
  • About Us
  • Testimonials
  • Our Partners
  • Book Online
  • Disability Insurance
  • Life Insurance
  • Retirement Planning
  • Business Overhead Expense
  • Business Insurance
  • Career Opportunities
  • Contact Us
Your EARNED INCOME IS YOUR GREATEST ASSET! Is it insured?

Your income pays for everything in life that's important

A 35 year old earning $150,000 per year working for 30 years to age 65 will earn $4,500,000 not including any raises or inflation! Isn't that worth protecting?

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Your INCOME is the FOUNDATION

If you were building your dream home from scratch, would you skip the foundation? Of course not. How long would your home last without a solid concrete foundation? If you and those who rely on you need your earned income to live and pay bills, insuring and protecting your cash flow is the first most important step

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WHAT DO YOU STAND TO LOSE WITHOUT DI?

WHAT IS IT?

HOW DOES IT WORK?

ALREADY COVERED THROUGH WORK? THINK AGAIN!

Sean Cresap, CPO, Owner of Cresap Orthotics & Prosthetics, Wenatchee WA

 Sean Cresap is one of our top, most valued clients. Sean "gets it." Watch him share how he feels about the importance of using disability insurance to protect his income, his income, his family, his business and employees, and how he feels about working with us at Radwick Financial Group.  

Monica Soltes, Disability Real-Life Story

 Check out this great video by Monica Soltes, telling her story about the impacts of being disabled and things most people haven't considered. Monica wants her story to help others.  

Your INCOME Is Important

Insured your INCOME like you insure everything else - your life, home, cars, etc. Your INCOME is your greatest asset. Think of all the things you will use it for in your working earning years between now and retirement. 

WHAT IS DISABILITY INSURANCE?

Disability Insurance is Income Protection. It's "paycheck protection." It protects your cash flow. As a W2 employee, about 60% your earned income and up to about 80% if you are a business owner, can be protected, tax-free if you get sick or hurt and are unable to work, whether it's on a total, partial, or catastrophic on or off the job.  


Being "disabled," simply means being unable to do some or all of the important duties of your occupation or a line of work that you could be reasonably expected to do based on your knowledge, training and experience. Some policies are very specific about protecting YOUR actual duties and job title and description.  


Protecting your income with disability insurance is even MORE IMPORTANT than life insurance. WHY?......Because modern medical technology is so effective and keeping you alive, you are TWICE as likely to SURVIVE an accident or illness than to die. But just because you "live" doesn't mean you can make a "living."  


Financial planning and risk management should use "triage," the way it is used in emergency medicine, treating the most serious urgent things first. Protecting your income should come FIRST, before all else. Without your income, you have NOTHING. Name ONE person you know who DIED and then became "disabled" afterwards. Impossible, right? This is not what happens. Protecting your income with disability insurance should come BEFORE life insurance.

WHAT COULD CAUSE A DISABILITY?

Manfy illnesses or accidents can keep you from working! There's a reason there are so many MEDICAL SPECIALTIES - CLICK HERE TO SEE A COMPREHENSIVE LIST!


  • Spine and back injuries
  • Paralysis
  • Loss of vision, hearing or speech
  • Orthopedic injuries, fractures, sprains,  tears
  • Car accidents
  • Motorcycle accidents
  • Dismemberment
  • Amputations
  • Sports injuries
  • Skeletal, bone, joint, tendon and ligament issues
  • Auto Immune Disease
  • Rheumatoid Arthritis 
  • Lupus
  • Celiac Disease
  • Multiple Sclerosis
  • Polymyalgia Rheumatica
  • Ankylosing Spondylitis
  • Migraine headaches
  • Neurological disorders
  • Seizures
  • Epilepsy
  • Brain damage
  • Heart attacks
  • Cancer
  • Tumors
  • Strokes
  • Blood clots
  • Diabetes 
  • Muscular Dystrophy 
  • Lou Gehrig's Disease (ALS)
  • Parkinson's
  • Aneurysms
  • Embolisms
  • Vascular disorders
  • Vasculitis
  • Poisoning
  • Allergic reactions
  • Bacterial infections
  • Pregnancy complications
  • Mental depression, stress and anxiety issues
  • Carpal Tunnel Syndrome
  • Vertigo, equilibrium, balance and dizziness 
  • AND MANY MORE YOU HAVEN'T EVEN HEARD OF!

ALTERNATIVES TO INSURANCE

What if disability insurance didn't exist? Or what if you simply decided to go without it and "self-insure?" Or what if you could not medically qualify for a policy? What are your alternatives? Let's see how viable they really are....


  • "Savings - Self-Insure" 

If you saved 10% of everything you ever made each year, solely as an emergency fund, it would only take ONE year to wipe out 10 years of savings! If YOU had no income, how long could you make it on your savings? Take your current savings and divide it by your monthly nut. You SHOULD have one full year's worth of living expenses in the bank at all times, 6 months as an absolute minimum. It should really be emphasized this savings  is truly for emergencies only, not saving up for a new car, or a vacation or a down payment on a primary or vacation home or putting money into retirement. Who do you know who TRULY puts away 10% of their income, religiously, every single year, solely for emergencies? No one, right? 


  • "Selling Investments - Liquidating Retirement Accounts

Will you be forced to sell or liquidate your assets at a loss? When you are desperate and in hurry to create CASH you never get top-dollar or the best price


  • "Social Security"

The average length of time for SS to hear your case is about one and a half years. On average, 70% of all applications are turned down. The definition of being disabled is extremely strict and rigid. It must be permanent and total, and or likely to result in death and you must be unable to do ANY occupation; it does NOT protect YOUR occupation. If you can be a Walmart greeter or say "would you like to supersize that" you are not disabled. BTW.... Did you know if you receive money from a "GoFundMe" account, your Social Security can be reduced? 


  • "L&I Worker's Comp"

This only covers you and your employees (as required by law) IF or they have an accident while ON the job. It does not cover illnesses or anything OFF the job. FYI - 90% of all disabilities occur OFF the job and the majority are from illnesses, not accidents. MOST business owners do not elect coverage and are therefore totally unprotected.  


  • "My spouse still has a job"

Let's face it - when people are sick or injured, and are in pain, especially over a long time, they get cranky and irritable. Will your marriage suffer? Often only your spouses income alone will not be enough to cover all your bills; most people's current lifestyle depends on both incomes. What if your spouse also has to take time off from THEIR job, reducing or eliminating their income to take care of YOU at home, bathing, eating, dressing, in addition to driving you to and from doctors and physical therapy appointments? All this, plus still having to run the household and taking care of your children is a lot to ask. 


  • "I already have group coverage at work" 

Even if you have coverage through your job or employer, often this is very generic, and cookie cutter and YOU do not OWN the policy or have any control over it whatsoever. The coverage can be altered, modified, or deleted entirely at the discretion of the employer. If you get laid off or terminated or resign, you most likely will lose your coverage. What if your health has deteriorated and you are no longer insurable and can't medically qualify to obtain new coverage?


  • "I have access to an association plan like the  "AMA"

You may in fact have access to a professional trust association like the "American Medical Association," (AMA) or the "American Veterinary Medical Association," (AVMA) but have you read and do you fully understand the fine print? Are you aware of all the caveats and important clauses? There are many of them and you don't want to find out at claim time you don't really have what you thought you had. PRIVATE, independently owned, individual disability insurance through an insurance company will always provide better, more solid protection with LOTS of guarantees. 

REALITY CHECK - FACTS and STATISTICS

Death Vs Disability - Insure what happens FIRST!

If you die from cancer.... which comes first? Do you die first - or get SICK first? Get sick first and die, second, right? So doesn't it make sense to insure what happens FIRST? Doctors' job is to save you and with modern medical technology, they are really good at it and often succeed in saving you, which means your life insurance will not pay! But just because you "survive" doesn't mean you can make a LIVING. Disability Insurance addresses illness and injury and should come FIRST. Life Insurance should come SECOND. 

Over 90% of all disabilities occur off the job, which means they are not covered under Worker’s Comp

Disability Awareness, Long Term Disability Claims Review, 2014  

You are 240 times more likely to become DISABLED from an injury than to die from one.

National Safety Council, Injury Facts, 2012 Edition 

In the U.S., a "disabling" injury occurs every single second, a fatal injury occurs every 4 minutes.

National Safety Council, Injury Facts, 2010 Edition 

Illnesses and injuries cause 350,000 personal bankruptcies each year.

Illness and Injury as Contributors to Bankruptcy, Health Affairs, February 2, 2005 

48% of all home foreclosures are due to a disability, 2-3% are from death.

National Underwriter, 2002 

25%, 1 in four, in their 20s, 30s, 40s will become disabled in their working years before retirement

Council for Disability Awareness 

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In the news - See our financial columns and articles

Disability Insurance

The Single Most Critically Important Part Of Planning, Yet The Most Often Overlooked

Disability Insurance

Critical Planning - But Often Overlooked

The "Return of Premium" Rider

Disability insurance coverage and peace-of-mind if you need it - all your money back if you don't.

Disability Insurance for Buy/Sell Agreements

Disability Buy/Out Insurance - Key for Buy/Sell Partnership Agreements - but often missing.

Disability Insurance for Businesses

Important - But Often Overlooked 

Will Your Group Disability Insurance Be Enough?

Contract Provisions and Language are Key

Disability Insurance and "Forced Savings Account"

Income Protection if you need it - All your money back if you don't

The HUGE Downside to Life and Disability Insurance

Never take your ability to qualify for life and disability insurance for granted

True Disability Insurance Vs L&I Worker's Comp

Which type of income protection makes more sense?

Our Partners


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