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Long-Term Disability Insurance

What would happen if your income suddenly stopped due to an illness or injury? How would you manage if you were still unable to work...
November 11, 2009

What would happen if your income suddenly stopped due to an illness or injury? How would you manage if you were still unable to work after six months or a year? If you're married your family would have to rely on your spouse's income for all the household bills, food and medical expenses. If you're single you'd be entirely dependent on your savings or on assistance from others. Programs like Social Security may kick in but only if you meet their rigorous standards of disability. There's a way to avoid this scenario. Disability insurance can help replace some or all of your income in the event you're unable to work due to illness or injury.

Causes of disability can be anything from heart disease or cancer to complications from pregnancy or even back problems, and no one is completely immune. In any given year, one out of every eight people will become disabled.  To put that in perspective, only one car in 70 will be in a serious car accident. One home in 88 will have a house fire. One person in 106 will die. Yet few people would consider going without homeowners, automobile or life insurance. Disability insurance is coverage you can't afford to do without.

As a PIA member serving Main Street America, you and your employees have access to a high-quality, competitively priced long-term disability plan through the PIA Services Group Insurance Fund. With no medical underwriting necessary and additional flexible options available, each participant can easily customize a plan to suit their own specific needs.

For costs, complete details of the coverage, and for more information about the PIA Trust Long Term Disability Income Insurance Plan, please contact your local PIA Affiliate or call the Plan Administrator, Lockton Risk Services, at (800) 336-4759. Additional information is also available on-line at www.piatrust.com.

All statistics courtesy of www.efmoody.com/insurance/disabilitystatistics.html

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