Many Americans are “financially prepared with life insurance” but do not have a plan in place in the event of disability. Disability can affect you financially whether married or single, a firm owner or an associate, a parent or not. Innocent little injuries and illnesses can knock someone off one’s feet for months. Big injuries may impact one’s health and ability to earn an income, potentially for years. From buying a home to college educations—even saving for retirement and future dreams—everything can rest on the ability to earn an income.
Why disability insurance? This 88 second video will explain:
A large number of people believe that Social Security or Workers’ Compensation will help them if they’re disabled. Unfortunately, Social Security disability benefits are limited and Worker’s Compensation only pays if your disability was due to an accident that occurred while you were working. However, according to the National Safety Council, Injury Facts 2012 edition, more than 73% of disabling accidents and illnesses aren’t work-related and nonfatal injuries affect millions of Americans. While life insurance is very important, you should also be prepared for the possibility of a disability and its crippling financial repercussions.
With the extra financial help that disability coverage provides, you, your family, and your firm can get through tough financial times. Because the ability to earn an income is one of the most important things in life, the AIA Trust offers affordable, quality disability insurance protection to AIA members for individual coverage, for coverage of your business needs, and for your firm’s employees as an employee benefit.
Having solid protection in the form of Long-Term Disability Insurance is only a click away with the AIA Trust endorsed group Long-Term Disability Insurance plan. The AIA Trust has partnered with New York Life Insurance Company, an A++ rated company for financial strength by A.M. Best Company as of 2/2013, to provide a policy that provides protection to you and your family at affordable group rates. For detailed information, including enrollment, benefits, rates, limitations and exclusions on all AIA Trust Group Disability Insurance Plans, please visit the AIA Trust website.
The AIA Trust Group Disability Income Insurance Plan (Group Policy G-29059-4) and Group Business Overhead Disability Insurance Plan (Group Policy G-29059-2) are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Policy Form GMR. The AIA Trust Firm Disability Insurance Plan is underwritten by Unum. All benefits are subject to the terms and conditions of this policy.