Do I need to supplement my group disability insurance with an individual policy?

You might be wondering if a group long term disability provided by your employer is enough to cover you if you become disabled. Most employer provided policies cover a percentage of income up to a maximum cap, to normal retirement age. While this sounds good, an important factor is that group policies usually cover all employees regardless of their health. This creates significant gaps. First, to reduce costs, group policy benefits are typically reduced by any social security or workers compensation payments, or other sources of income. Also group policies almost always have…

Your Most Important Financial Asset Is…

You might be surprised to learn that your most important asset is not your retirement account or real estate…it’s your ability to get out of bed every day, go to work and earn a good income. You and your family’s way of life depend on this asset. So if something happens to derail its performance, it is vital to be sure this asset is properly insured. According to the Council for Disability Awareness, over 1 in 4 of today’s 20 year olds will become disabled before they retire. This is why adequate disability…

I have really enjoyed working with Billy. I started working with him before I finished residency. He was incredibly flexible and willing to find a time and place that worked for me. He respected the knowledge I already had and filled in gaps in a humble, nonjudgmental manner. I had such trust in him after purchasing an own-occupation disability policy that I asked for his help in purchasing a term life policy as well. Billy never placed an ounce of pressure on me to purchase anything. I am thrilled to have found someone who puts my financial health and asset protection as his top priority. I have highly recommended Billy to friends and colleagues and will continue to do so.

-Dr. Hunter, Family Physician

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