Your most valuable asset is your ability to work and earn an income.

You depend on your income for the necessities of life -- food, shelter & clothing. What would happen to you and your family, if you were to suffer a disability and could no longer earn an income?

Consider the following statistics:

• Between the ages of 35 and 65, seven out of ten workers suffer a disability lasting 3 months or longer*.
   
• In the United States, 46% of conventional housing foreclosures are the result of a disability lasting 3 months or longer **.
   
• For most people, a disability means not only having difficulty meeting their financial obligations, it may also mean increased medical expenses. Some of these increased expenses aren't covered by their health insurance plan.

A combination of short and long term disability provides employees with continuous income protection in case of a disabling injury or illness. These plans are available with a variety of benefit options.

*National Safety Council, Commissioners' Disability Table, National Center for Health Statistics, as quoted in Disability Income Concepts, Pictorial, Inc. 1995
**FHA as quoted in Disability Income Concepts Pictorial, Inc. 1995