Disability Insurance

Insurance for Yourself

• Disability without an income will compromise all your other assets. Greater than one in four of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.

• At least 51 million working adults (approximately 32%) in the United States are without disability insurance other than the basic coverage available through Social Security.

• Only 48 percent of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income.

• Almost half of American adults indicate they can’t pay an unexpected $400 bill without having to take out a loan or sell something to do so.

Supplemental Disability

Can you sustain your lifestyle while disabled with 60% of your gross income that is taxed?

Group disability plans typically cover 60% of your gross income. Some do not include bonuses as part of the contract. Most employer plans pay the group disability premium thus making the benefit subject to income tax. Let CCFS show you how to fill the gap and protect the foundation of your household. Let CCFS show you how to fill the gap and protect the foundation of your household.