What is Disability Insurance?

In Florida Disability Insurance is often overlooked as a needed insurance. That is until you're out of work, and realize you may need to keep paying your daily expenses.

Disability Income Insurance: is of insurance which includes coverages that are designed to protect the insured against a loss of income resulting from injury or sickness.

Most people, as indicated below, depend on their paychecks to cover their daily living expenses. Future paychecks may be one of your most valuable assets. The odds of you becoming disabled may be greater than you think.

What is the risk of becoming disabled before the age of 65?

If you are now...	Disable for 6 mos.?	Disable for 1 year?	Disabled for 2 years?	Disabled for 5 years?
25	35%	22%	17%	13%
30	33%	21%	16%	13%
35	31%	20%	16%	13%
40	28%	18%	15%	12%
45	25%	17%	14%	11%
50	14%	12%	17%	10%
SOURCE: 1985 Commissioner's Disability Income Table

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