Mechanicsburg, PA 17050
Pennsylvania Disability Insurance
In the last 10 minutes, 498 Americans became disabled.
National Safety Council, Injury Facts 2008 Ed
Start protecting your income now before it's too late. It’s one of the most important things to do when looking to take care of your family. If you can’t work your income does no good. We have the right choices for you to protect your hard –earned money so that your family is safe.
Your options for Pennsylvania Disability Insurance
- We can a plan to protect you from disability or accidents at work. With the proper Pennsylvania Disability Insurance plan you can rest easy knowing that if something happens to your making making power - your family can live on.
Why Disability Insurance?
- If you’re under age 35, chances are 1 in 3 that you will be disabled for at least six months during the course of your career. " Why Disability " booklet, published by National Underwriter.
- Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year. " Illness and Injury as Contributors to Bankruptcy " Health Affairs, February 2, 2005
- Three in 10 workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007
- Close to 90% of disabling accidents and illnesses are not work related. National Safety Council, Injury Facts 2008 Ed.
- An illness or accident will keep 1 in 5 workers out of work for at least a year before the
age of 65. Life and Health Insurance Foundation for Education, November 2005
More Facts
- One in 7 workers can expect to be disabled for five years or more before retirement. " Commissioners Disability Table, 1998, " Health Insurance Association of America, the New York Times, February 2000
- 71% of American employees live from paycheck to paycheck. American Payroll Association, " Getting Paid in America " Survey, 2008
- Disability causes nearly 50% of all mortgage foreclosures, 2% are caused by death. Health Affairs, the Policy Journal of the Health Sphere, 2 February 2005
- Less than half - 39% - of the 2.1 million workers who applied for SSDI benefits in 2005 were approved. Social Security Administration, Office of Disability and Income Security Program
- Over 51 million Americans are classified as disabled, representing 18 percent of the population. U.S. Census Bureau, Public Information Office, November 2008
- In the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes. National Safety Council, Injury Facts 2008 Ed.
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Key Insurance Terms
- Premium: A set fee usually charged monthly, that you pay an insurer for a policy.
- Deductible: The amount of money you will have to pay out of pocket before your insurance begins to reimburse care, although some plans provide some reimbursement before the deductible.
- Co-Pay or Co-Payment: A set fee—such as $10 or $25—that you pay for medication or care.
- Co-Insurance: A set percentage of the total cost that you pay for medication or care.
- Network: A contracted group of doctors, hospitals and care providers who work with your insurance plan at lower rates.
- Out of pocket maximum: An annual limit on the amount of money you have to pay before your insurance covers all remaining costs. This limit does not include plan premiums.
Extra Offers
As a courtesy to you we also offer several free services including:
Living Will Creation
Credit Report