We are a veteran-owned boutique brokerage with 20 years of providing risk management. RMS offers disability insurance contracts for almost every occupation, and solutions for a wide range of business needs. RMS provides traditional and hybrid long-term care contracts to protect retirement income and manage care should the need arise(70% of seniors will require LTC services in their lifetime). Please Visit –
https://disabilitycanhappen.org
https://www.medicare.gov/coverage/long-term-care
https://www.partnershipforlongtermcare.com/illinois-partnership/index.html
It can happen to you.
Nearly one in four men can expect to suffer a disability that keeps them out of work for 90 days or longer at some point during their working years. For women, the odds are about one in three. Moreover, one in seven workers can expect to be disabled for five or more years before retirement.*
*Source: www.lifehappens.org
You might like to know…
Insuring against disability has not been a high priority for most workers, because many assume they are already covered through Social Security, workers’ compensation, or employer plans. It is important to note, however, that each of these plans has limitations and should not be solely relied upon for income replacement during a disability. An individual DI policy can help supplement these plans and provide additional peace of mind.
Who needs Disability Insurance?
Just about everyone. Whether you are single, married, have children, or own a business, a disability that keeps you out of work can be costly. To maintain your standard of living in the event of disability, it is important to have this coverage.
Statistics
1 in 4 employees age 20 will be disabled for 90 days or longer. Please visit – Council for Disability Awareness
9 in 10 disability claims are due to illness rather than accident.
1 in 10 companies will close due injury, illness, or death.
Most disabilities are over in 12 months and nearly all in the first 24 months.
3 in 4 individuals will require assistance with personal care, or 70% of people turning age 65 can expect to require some form of long-term care during their lives.
65% of care is provided at home (70 – 75% Genworth Experience).
20% will need care longer than 5 years. Please visit – Genworth Financial
80% of care at home is provided by unpaid caregivers! About 65.7 million people in the US (one in four adults) were unpaid family caregivers to an adult or child in 2009. (LongTermCare.gov)
Questions
If someone in your business is out due to illness or injury, do you still pay them?
Would you be interested in a tax-deductible method of protecting their ability to pay business expenses during a disability?
How long could you afford to be without a paycheck?
Have you or a loved one needed assistance with personal care(ADLs – bathing, dressing, feeding…)?
How was your family impacted?
Are you aware of the cost of personal care? Please visit – Genworth Cost of Care.
Psalm 145:1 I will extol thee, my God, O king; and I will bless thy name for ever and ever.