| Disability Insurance Options |  | | What Would Happen To You And Your Family If You Suddenly Could No Longer Bring Home A Paycheck? | | Anyone can become disabled at any time. An auto accident, a weekend sports injury, a fall around the home or a sudden illness could leave you unable to work. “…three out of every ten workers between ages 25 and 65 will experience an accident or illness that keeps them out of work for three months or longer, potentially leading to unmanageable debt, the inability to save for retirement or even personal bankruptcy” (Source: Council For Disability Awareness Website 2009) For more information about your chances of becoming disabled click here. |  | Most People Who Suffer A Long Term Disability Do Eventually Recover Physically But Many Never Recover Financially! The Good News Is That Now You Can Protect Yourself (And Your Employees) With Disability Insurance. | |  | AMTDA has arranged for Affinity Group Underwriters to provide disability insurance for members. Both group and individual policies are available from the nation’s leading disability insurers. There are advantages and disadvantages to both individual and group policies and we can help you decide which is best for you and your company.
For individual coverage, two special features are available for AMTDA members: | - a multi-life group discount of five percent when three or more employees of a member firm are insured, and
- Simplified underwriting with no medical exam for members under age 50.
| AGU also has the new policies with a “Return Of Premium” feature (if you don’t ever make a claim, you get your money back). | Depending on how many employees you want to cover and the premium contribution your company will make, group disability insurance may be the better choice.
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