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May Is Disability Insurance Awareness Month

May 11, 2020 by Cody and Associates

Provided by Jeff Cody

 

Did you know that May is Disability Insurance Awareness Month? First started in 2007, the month of May was the first time that information about disability insurance became more easily accessible to millions of Americans. Recently, Disability Insurance Awareness Month has become a time in which many insurance professionals come together in order to help educate the public on the importance of disability insurance.1

 

What is disability insurance? If you are unable to work due to illness or injury, disability insurance may help by replacing a portion of your regular income. This can be essential if you are burdened with medical expenses and unable to work.2

 

What about Workers’ Compensation? It can be tempting to think of workers’ compensation as a failsafe option for disability protection. However, workers’ compensation only pays benefits to individuals who become disabled while at work. If your disability is the result of a car accident or another off-the-job activity, you may not qualify for workers’ compensation.

 

The flexible option. What it really comes down to is reliable flexibility. A privately owned disability insurance policy can be obtained through your insurance professional (who may have options suited to your particular situation). Even better, because you own this policy, it will travel with you, even if you change jobs down the road.3

 

At the end of the day, it’s really about your risk tolerance. Current research shows that the average 20-year-old worker has more than a 25% chance of becoming disabled before they retire. For many consumers, those risks are just too high. That doesn’t mean you need to rush out and purchase a policy right this second, however. You should consider speaking with your insurance professional before making any changes to your current policy strategy.4

Jeff Cody may be reached at (855) 383-2639 or Jeff.Cody@CodyandAssociates.com.

CodyandAssociates.com

 

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

 

Investment Advisor Services Offered Through First Advisors National

 

Citations.

1 – Lifehealth.com, 2019

2 – Lifehappens.org, 2007

3 – Lifehappens.org, 2020

4 – Lifehealth.com, 2019

 

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Jeff Cody, LUTCF, FSS
Jeff Cody & Associates

Serving clients throughout
the United States and the U.S. Virgin Islands

Investment Advisor Services Offered Through First Advisors National
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Copyright 2020 Cody & Associates • Cody and Associates is a financial services company that specializes in asset protection and retirement income products and services. Jeffrey A. Cody is the principal owner of Jeff Cody and Associates and only offers insurance products and services in states where licensed to do so. Investment advisory services are offered through First Advisors National, LLC ("FAN Advisors"). FAN Advisors is an investment advisor firm registered pursuant to the regulations of the U.S. Securities and Exchange Commission (SEC). Jeffrey A. Cody is an investment advisor representative of FAN Advisors and is registered to only offer specific advisory services through FAN Advisors. FAN Advisors does not offer insurance services. The FAN Advisors written disclosure document is available upon request; please review it for details regarding advisory services, FAN Advisors and Jeff Cody and Associates are independently owned and operated. [READ DISCLOSURES]
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