Disability Insurance - coverage you should consider before you need it.

This colorful illustration depicts people as small plastic figures in various colors. In the foreground in blue, the figure wears an arm and foot cast to illustrate disability insurance.

We draft a will. We create an estate strategy. And many of us purchase life insurance.

But what about disability coverage? Think you don't need it? That's a risky assumption. According to Social Security Administration statistics, some 25 percent of Americans in their 20s may become disabled before age 67.

If that disability means you cannot work, your income will stop, but expenses keep arriving, plus medical treatment costs. 

Consider disability insurance - the coverage that can help us maintain our income and quality of life.

Consider that:

Disability insurance is issued by participating insurance companies. Not all policy types and product features are available in each state. Any obligations depend on the ability of the issuing insurance company to continue making claim payments.

Does the government take care of people when they are disabled? Not always. Many disabled people discover that they don't qualify for state assistance. Others find that the amount or length of coverage available is not sufficient to support them.

The reality is that it can happen to you or anyone. If it does, who will take care of your family? Will you be prepared? Find out about the choices that are available for you:

Geneva office: 402.759.3300 (jim@fortifygroup.net:

Shickley office: 402.627.2055 (roxie@fortifygroup.net)

North Platte: 308.221.6962 (kevin@fortifygroup.net)

 

A ring of shiny silver keys hang on a key hook on a maple board. The keys include one key in the shape of a house.
We are so thankful we had Karla as our Realtor! Thanks for holding on with us, through the roller coaster of homes and decisions, to find the right fit.
Zech and Hillary Rose
Brett Beavers, owner of Beavers Dairy, is seated in his office. A image of a Holstein cow is pictured on the cabinet behind him.
Comprehensive insurance is so important. When you do something of this scale, managing risk is key. If you are laying everything on the line you have to consider every scenario.
Brett Beavers of Beavers Dairy
Jen Griifith is pictured by the brick front pillars of the Shickley Community Center, where she works as the village clerk. She has long, dark hair and is wearing a pink blouse.
Everyone has their forte in life. Insurance is not mine. I wanted to find someone I could trust...It was easy to trust Joe and Roxie and I was comfortable asking them questions.
Jen Griffith
Tiffany W. is pictured at work with a brick stone background. She gave Fortify Group testimonial comment.
Saved me almost $75 per month!! Definitely worth a quote!
Tiffany W.
The Hejny Family
Personal service is huge to us. We like to stay connected to people. With Fortify we feel less like clients and more like extended family.
Terry & Pam Hejny
Jeff and Sally Row in their shop
It's nice to get guidance from people you know and can have a conversation with.
Jeff Row