Becoming disabled through an injury or sickness can mean a significant loss of income. For most people the ability to work is their greatest asset! Without future earnings, most people will be unable to pay the mortgage, provide college education to their children, or put money aside for retirement. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

No one wants nor plans to get sick or hurt. Unfortunately, an unexpected injury or illness can affect your ability to work... thus compromising the income stream upon which you and your loved ones depend. What you can do is protect yourself and your loved ones through sound financial planning, including disability insurance.

Things to consider when calculating need for disability insurance include:

• What is your current annual gross earned income?
• What is your current annual investment income?
• What percentage of your earned income goes to normal living expenses per month?
• How much monthly income would your current disability coverage (if available through your employer) provide?

How long will your current income last if you couldn't work due to injury or illness lasting one month, one year, or ten years? The answers to the above provide basic information so that we can assist you in planning protection for you and your family in the event you are disabled.

Securities and advisory services offered through National Planning Corporation (NPC), Member FINRA/SIPC, a Registered Investment Advisor. Warren Steinborn Associates and NPC are separate and unrelated companies.
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