Won’t Happen To Me!
When life is good, it’s difficult to picture being disabled by an illness or injury. But, it happens - and it could happen to you.

Amazingly, 43 percent of today’s 40– year– olds will experience a long– term disability before the age of 65.

When a disability strikes, your health insurance pays for your medical bills, but what about all the other bill that are piling up because you can’t work. Now what do you do?
· Drain savings and retirement accounts?
· Live on your spouses income– possible, but what if you’re like

  most, your monthly bills depend on both incomes.
· Sell off your home, cars and other assets– then what?
· Borrow money, even if you qualify for a bank loan, the

  additional debt will most likely compound your problem.
· Depend on Social Security disability-not necessarily; less then

  half of disability applicants are approved.* Your disability has

  to be so severe that you are unable to do any work– not just

  your own occupation. Even if you are approved benefits don’t start for five months. And your

  disability must be expected to last at least 12 months or result in death.**

*JHA Disability Fact Book, 2003/2004
**2005 Guide to Social Security and Medicare

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