I am sure most people have known a friend or a family member who became disabled before retirement age and could no longer gainfully work. Whether it is a short term or long term need, Disability Income Insurance is a valuable asset to your overall financial and personal protection portfolio.

Some people receive state disability income benefits short term and some qualify for a social security benefit long term. The question is, is that enough to make ends meet in the event of a major event that results in you. or someone you know, being unable to work. Probably not!

Also, if you have Group D1 benefits through your employer the monthly benefit may, or may not, be sufficient to cover y our everyday living expenses. If you do not have Group D1, a private disability income plan may be one of the smartest purchases you will ever make, not only to provide the monthly income for you family if your employer does not provide coverage, but also to supplement group coverage if available. We recommend that you don’t overlook the need for this type of protection. Check with your employer to see if they offer it and how much they offer. Then, you can always give us a call at RJINS to discuss further and get a quote. It is definitely worth looking into!