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Robert Harding Financial Group
18301 North 79th Avenue D-149, Glendale, AZ 85308
Phone: 623-977-9823
Fax: 623-977-0181
Toll Free: 800-977-9823
WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED
FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!
May/June 2023
Should You Buy a Disability Policy?
According to Social Security Adminstration statistics, one in four 20-year-olds will become disabiled before reaching retirement age. A disability insurance policy is designed to replace a portion of your income if you become ill or injured and can't work.
Current Coverage
Your employer may offer group disability insurance coverage. However, if you leave your employer or your employer eliminates the benefit, you’ll lose the coverage. Buying your own disability policy may provide better coverage, and rates may be lower if you purchase a policy when you’re younger.Why You Need Disability Coverage
Think about how long you could continue to meet your financial obligations without a steady paycheck. If your savings would be quickly depleted, purchasing disability insurance is something to consider, especially if you have a family that depends on your income or if you’re self-employed.The Cost of a Policy
Premiums are based on your age, health, gender, occupation, the length of the waiting period, the benefit length, and any extra features you choose, such as annual cost-of-living adjustments.Before you purchase a disability policy, make sure you understand what the policy covers and the benefits. Your insurance professional can help tailor a policy to meet your needs.
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Securities and Investment Advisory Services offered through Geneos Wealth Management, Inc. Member FINRA/SIPC.
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