425-415-6163

 

What is Disability insurance?

Disability insurance is Paycheck insurance.

Your paycheck is your greatest asset. Disability insurance helps protect your paycheck.

Losing your paycheck due to accident or illness is a major cause of bankruptcy.

Why do I need it?

  • Disability causes nearly 50% of all mortgage foreclosures, only 2% are caused by death.
  • An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.
  • Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year.

What will it cost?

Your premium is based on

  • Your age
  • The monthly disability benefit
  • The waiting period (e.g., 60, 90, or 180 days)
  • The benefit period (5 years or to age 67).

Call for preliminary estimate – 1-425-415-6163


What happens if you can’t work?

More 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.

- Social Security Administration, Disability and Death Probability Tables for Insured Workers Born in 1997

2018-04-23T17:56:20+00:00

- Social Security Administration, Disability and Death Probability Tables for Insured Workers Born in 1997

More 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.

Social Security won’t replace full income.

At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security.

- American Council of Life Insurers

2018-04-23T17:57:16+00:00

- American Council of Life Insurers

At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security.

How long will your savings last if you get sick?

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.

- Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2016

2018-04-23T17:57:56+00:00

- Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2016

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.

Disability by its nature is unexpected.

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.

- Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2016

2018-04-23T17:58:24+00:00

- Federal Reserve, Report on the Economic Well-Being of U.S. Households in 2016

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.

Sammy the Centipede Goes to the DentistSammy the Centipede Goes to the Dentist is a fun and educational guide to show children what it is like to visit the dentist and how to take care of their teeth.

"What a fantastic book.  Maria has created a wonderful, entertaining, and educational story for the new and young dental patient. The colorful pictures and fun story will certainly make it one of your child’s favorites. Sammy will also help your child understand that going to the dentist is fun and exciting.”

--Brent Robinson, DDS, Member of the Snohomish Dental Society, Washington State

Order at  http://marialuchsinger.com/sammy-the-centipede-books/ using CODE SKR7KZLY for $2.00 off the price of $14.99.   Bulk discounts are available for multiple copies.  A downloadable coloring page is also available on the web site.   Please contact Maria directly at Maria@marialuchsinger.com for more information.