Long Term Disability Insurance Support

Many people think that accidents are the leading cause of disability claims, but, in reality, approximately 90% of disabilities are due to illness. Obesity, anxiety, diabetes, and high blood pressure, are all on the rise and contribute to the likelihood of a long-term disability. Despite popular belief, worker’s comp covers less than 5% of illnesses and injuries, and 65% of initial Social Security Disability Insurance claim applications were denied in 2012. *

Our experts help ease the burden by working together to tailor policies for you and your loved ones so you can safeguard the income flow and lifestyle you work hard to enjoy. 

Consider The Data

Over 37 million Americans are classified as disabled, which is about 12% of the total population.

The average long-term disability claim lasts 34.6 months*.  This is just under 3 years.

65% of working Americans cannot cover living expenses even for a year if their employment income was lost*

*Statistics taken from Council for Disability Awareness, http://www.disabilitycanhappen.org/chances_disability/

Watch Aviva Sapers On Disability Coverage

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Insurance Overview 

Insurance isn’t just simply check the box and you’re covered. We work to find the right insurance and fight for the best possible offer. As an independent advisor, our focus is you and not settling for the easy answer.

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Every business and each family have different financial needs. However, there is a unifying goal for most of us: we want financial security.