Disability Insurance: Protection Consumers Can Not Afford To Be Without

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United Security Life and Health Insurance Company Unveils Its Disability Income Insurance Plan

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With May being Disability Awareness Month, United Security Life and Health Insurance Company (USL&H) is unveiling its Disability Income Insurance plan. Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that a disability will prevent them from being able to work.[1] Statistics show that in the US a disabling accident occurs on average once every second.

Sandy Horn, President, USL&H began, “Many people put off buying disability insurance because they think that a disabling illness or accident will never happen to them. The fact is that you have a roughly three in ten chance of becoming disabled for 90 days or more before turning 65. (1) Knowing that statistic, how many of us could afford to be without any form of income to pay for even basic expenses like grocery bills or a monthly rent or mortgage payment? Disability Income Insurance gives the insured the reassurance they will be financially secure if they become injured.”

USL&H offers Disability Income Insurance to individuals who do not have an employer plan, or who have a long-term disability plan and need a short-term plan to fill in for long elimination periods. USL&H’s Disability Income Insurance plan can be built around the insured’s specific needs in order to ensure they will have adequate coverage. In addition, USL&H’s Disability Income Insurance plan offers additional coverage such as $2,500 Accidental Death benefit, hospital confinement benefit up to $3,000 per month and an organ transplant benefit at no additional charge.

“Half of working Americans couldn’t make it a month before financial difficulties would set in, and more than one in four would have problems immediately, according to a LIFE Foundation survey. (2) Just as auto insurance protects your car, and homeowners insurance protects your home, Disability Income Insurance protects your paycheck. Especially in today’s economic conditions, taking advantage of a guaranteed way to protect your income if you become disabled is essential,” remarked Horn.

Is your paycheck protected? Calculate your needs. Figure out if you have enough disability insurance coverage by visiting http://www.lifehappens.org/disabilitycalculator.

About United Security Life and Health Insurance Company:
USL&H is a regional insurance carrier that offers a variety of Health and Life insurance products, as well as Critical Illness, Cancer, Accident Hospital Indemnity, and a Dental Plus Vision and Hearing product to individuals and families. Founded in 1973, USL&H is licensed to sell its products in Arizona, Arkansas, Illinois, Indiana and Missouri and Nebraska through a network of independent insurance agents. For more information on United Security Life and Health Insurance Company please visit the company’s website at http://www.uslandh.com.

(1) The Real Risk of Disability in the United States, Milliman Inc., on behalf of the LIFE Foundation, May
2007
(2) The Disability Survey conducted by Kelton Research on behalf of the LIFE Foundation, April 2009

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