One in four people will experience an injury or illness related disability lasting 90 days or more before the age of 67. One in 8 workers will become disabled for five years or more during their lifetime. About 12% of the populations is considered disabled which effects about 40 million Americans.
This is why these policies are often combined with Long Term disability.
It is important to note that we never charge you for using our services, our commission for assisting you comes from the insurance companies. We act as a broker and run quotes with all of the major carriers guaranteeing you the best rate for the benefits that best suit your needs as an employer.