If you were unable to work for an extended period of time, would you be able to meet your financial responsibilities?  Disability insurance provides a tax-free benefit monthly income stream for a specified amount of time if you are not able to work due to illness or injury. 

The chance that you may suffer a disability before the age of 65 is almost 50%.  

Many employers offer their employees partial or full disability benefits through a group plan. We can look at your group plan to make sure it fully covers your needs.  If you are self-employed, or are not covered through a group plan, obtaining a private disability plan is an important step to ensuring you are adequately covered in case of a disability.