While many people carry life insurance because they are worried about an untimely death, more people should be concerned with the risk that a disability may present.

Consider these facts:

• One in five Americans will experience a long-term disability during their working years.¹
• Disabilities lasting more than 90 days tend to last for years.¹
• Every 30 seconds someone files for bankruptcy in the aftermath of a serious medical problem.²
• Among those whose illnesses led to bankruptcy, nearly 76% had medical insurance at the onset of illness.³

Those are some sobering facts. But did you know that The Standard is a leading provider of both individual and group disability protection?

We have some of the most innovative personal income replacement and business protection policies in the industry along with our group long and short-term disability programs available through your employer.

If you’re already covered through your employer, perfect. But, don’t stop there. We would still encourage to take a minute to learn more about supplementing that coverage with some individually owned protection. We’d like to invite you to learn more about personal income replacment or business protection if you’re a small business owner. (Not available in New York)

If you are an employee covered by one of The Standard’s group disability products, contact your employer for more information about the specific details of your plan.

Footnote Sources

¹ 1985 Commissioners Individual Disability Table A.

² Sick and Broke by Elizabeth Warren, The Washington Post, Feb.9, 2005.

³ Illness and Injury as Contributors to Bankruptcy, David U. Himmelstein, Elizabeth Warren, Deborah Thorne and Steffie Woolhandler. MarketWatch Health Affairs. Project HOPE. The People-to-People Health Foundation, Inc.

⁴ Peer Comparison: U.S. Specialty Employee Benefits Insurers, Standard & Poor’s Rating Services. October 21, 2005