[Fredslist] RE: Promo from United Benefit Consulting, yes the first Gotham member! Re: Individual Disability Income Insurance

[Susan Sajiun-Fitzharris]

	Hello Gotham, just wanted to share in addition to United Benefit Consulting specializing in Group Benefit Insurance Plans such as Medical, Dental, Disability, Life insurance, Vision and many more group plans we specialize in individual plans as well!!  Below is great piece on individual disability!

> If you're like most people, you depend on your paycheck to pay your monthly living expenses
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> *	What would happen if your paychecks suddenly stopped because you were too sick or injured to work? 
> *	What if you could not work for months or years? 
> *	More than 80% of working Americans are either not covered or not adequately covered under disability income insurance.
> *	One in every three working Americans will become disabled for 90 days or more before the age of 65. 
> *	Because of the increase in Life expectancy, disability income insurance has become as important as Medical Insurance.
> *	You would still have to pay your bills. Things like retirement funding and savings can quickly be depleted during a disability. 
> *	In many cases Social Security benefits do not apply or are just not enough.  
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> 	What is Disability Income Insurance?
> 			Disability Income insurance provides monthly income to help maintain your standard of living.  It helps keep your financial dreams and goals for the future in tact and can be customized to your particular situation. Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a less expensive contract may be significantly lower than receiving benefits from a quality contract. 
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> "> The Best Vision is Insight> "> 
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> For more information contact Susan Sajiun-Fitzharris, CFP, President, United Benefit Consulting Inc. 631-780-3333 ext 306, ssajiun at ubcins.com 
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