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Is Your Disability Insurance Coverage What You Think It Is?

Posted by Larry Jones on Jun 26, 2018 9:30:00 AM

When was the last time you took an 8 week vacation?

How about 10 weeks? How about 30?

"Man," you say, "my company wouldn't keep paying me for that long!" And you're right. Most wouldn't. But now suppose an accident forced you to miss work for 10 weeks or longer. Could you count on your firm to take care of you? What would happen to your family when those paychecks stop? If your company provides you with disability coverage as a benefit, then you can rest easier. 

Or can you?

Perhaps your firm offers coverage as part of your benefit package. Many good companies do, either with short-term coverage, long-term, or both. If not, you may have purchased a disability policy of your own.

There are some things you need to know, however. Many group disability policies aren't worth the premiums that are paid, because of very limiting language in the policy. You could find your false sense of security shattered in the event that you can't work.

Read More

Topics: Disability Insurance

Disability insurance coverage: is it what you think it is?

Posted by Larry Jones on Jun 29, 2017 9:39:00 AM

When was the last time you took an 8 week vacation?

How about 10 weeks? How about 30?

"Man," you say, "my company wouldn't keep paying me for that long!" And you're right. Most wouldn't. But now suppose an accident forced you to miss work for 10 weeks or longer. Could you count on your firm to take care of you? What would happen to your family when those paychecks stop? If your company provides you with disability coverage as a benefit, then you can rest easier. 

Or can you?

Perhaps your firm offers coverage as part of your benefit package. Many good companies do, either with short-term coverage, long-term, or both. If not, you may have purchased a disability policy of your own.

There are some things you need to know, however. Many group disability policies aren't worth the premiums that are paid, because of very limiting language in the policy. You could find your false sense of security shattered in the event that you can't work.

Read More

Topics: Disability Insurance

Is your disability insurance coverage what you think it is?

Posted by Larry Jones on Jun 30, 2016 10:30:00 AM

When was the last time you took an 8 week vacation?

How about 10 weeks? How about 30?

"Man," you say, "my company wouldn't keep paying me for that long!" And you're right. Most wouldn't. But now suppose an accident forced you to miss work for 10 weeks or longer. Could you count on your firm to take care of you? What would happen to your family when those paychecks stop? If your company provides you with disability coverage as a benefit, then you can rest easier. 

Or can you?

Perhaps your firm offers coverage as part of your benefit package. Many good companies do, either with short-term coverage, long-term, or both. If not, you may have purchased a disability policy of your own.

There are some things you need to know, however. Many group disability policies aren't worth the premiums that are paid, because of very limiting language in the policy. You could find your false sense of security shattered in the event that you can't work.

Read More

Topics: Disability Insurance

What you don't know can hurt you!

As a fiduciary I am required to always act in your best interests, and as a professional planner, it's my job to be familiar with all types of possible solutions and financial vehicles. In short, I have no interest in selling any particular product or any affiliation with a particular company. I work for my clients.

Are you:

  • concerned that your tax bill is too high?
  • tired of watching your nest egg decline by significant amounts every 5-7 years?
  • wishing you could find more free time?
  • looking for ways to help protect yourself against litigation that could destroy all you have worked for?
  • worried that Uncle Sam is going to enjoy your retirement more than you are?

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