Why It’s Important to Be Prepared for Disability
What are your chances of becoming disabled during your career? Higher than you probably think. It’s hard to ignore the facts: According to the Social Security Administration, 1 in 4 of today’s 20-year-olds will experience a disability before they retire.1
Accidents are not usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term disabilities that leave people unable to work.
You should ask yourself whether you’d be prepared if disability happened to you. Do you have sufficient disability insurance and/or enough emergency savings to last three years? Yes, that’s the length of the average long–term disability claim.2
Imagine you’re suddenly no longer able to earn a paycheck at your job. Think about all your monthly expenses: mortgage or rent, utilities, gas, groceries, and much more. Without an income, you could quickly exhaust your savings.
The long-term financial impact can be devastating to your family’s financial security, your children’s education and your own retirement. And there might be little or no money left for unexpected emergencies.
Start planning today to help protect your income so you and your loved ones will be ready tomorrow. Learn how HPSO-sponsored disability coverage for APTA members can help provide one piece of your financial well-being.
As an APTA member, you’re eligible to apply quickly and easily for HPSO‑sponsored Group Disability Insurance underwritten by New York Life Insurance Company. Benefits of up to $10,000 a month3 are available, paid on top of any employer-provided disability coverage you might already have.
(No need to provide an email address or phone number to see your cost.)
Just answer 2 short questions to see your personal cost quote in seconds. If you like what you see, apply online at your convenience.
Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Group Policy Form GMR.
1 Source: Social Security Administration, https://www.ssa.gov/disabilityfacts/facts.html (viewed 5/31/24)
2 Source: Council for Disability Awareness, https://disabilitycanhappen.org/overview/ (viewed 5/31/24)
3 Benefits under this policy combined with benefits from all other sources may not exceed 66 2/3% of your basic monthly pre tax income.
4 Including information on features, costs, eligibility, renewability, limitations and exclusions.
6697493.1
Why It’s Important to Be Prepared for Disability
What are your chances of becoming disabled during your career? Higher than you probably think. It’s hard to ignore the facts: According to the Social Security Administration, 1 in 4 of today’s 20-year-olds will experience a disability before they retire.1
Accidents are not usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term disabilities that leave people unable to work.
You should ask yourself whether you’d be prepared if disability happened to you. Do you have sufficient disability insurance and/or enough emergency savings to last three years? Yes, that’s the length of the average long–term disability claim.2
Imagine you’re suddenly no longer able to earn a paycheck at your job. Think about all your monthly expenses: mortgage or rent, utilities, gas, groceries, and much more. Without an income, you could quickly exhaust your savings.
The long-term financial impact can be devastating to your family’s financial security, your children’s education and your own retirement. And there might be little or no money left for unexpected emergencies.
Start planning today to help protect your income so you and your loved ones will be ready tomorrow. Learn how HPSO-sponsored disability coverage for APTA members can help provide one piece of your financial well-being.
As an APTA member, you’re eligible to apply quickly and easily for HPSO‑sponsored Group Disability Insurance underwritten by New York Life Insurance Company. Benefits of up to $10,000 a month3 are available, paid on top of any employer-provided disability coverage you might already have.
(No need to provide an email address or phone number to see your cost.)
Just answer 2 short questions to see your personal cost quote in seconds. If you like what you see, apply online at your convenience.
Underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Group Policy Form GMR.
1 Source: Social Security Administration, https://www.ssa.gov/disabilityfacts/facts.html (viewed 5/31/24)
2 Source: Council for Disability Awareness, https://disabilitycanhappen.org/overview/ (viewed 5/31/24)
3 Benefits under this policy combined with benefits from all other sources may not exceed 66 2/3% of your basic monthly pre tax income.
4 Including information on features, costs, eligibility, renewability, limitations and exclusions.
6697493.1
