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Disability
For most Americans the most important asset is not our home(s) or our stock portfolio’s or a trust, it is our ability to earn a living. Many if not most disabilities begin slowly and are unnoticeable to the victim. By the time the condition has been diagnosed we generally have cut back on our work load and in some cases have to leave our jobs. At that point we have lost our ability to earn a living to support even our most basic needs. We liquidate our retirement plans with penalties, we cash in all of our savings vehicles, sell our homes and hope that we will get better and return to work or simply succumb to the disease.
Realistically we likely will not go back to work in the capacity we were at the time we left as a result of the disabling condition and will incur expense well in excess of our net worth at the time and will have to turn to family, friends and charities to pay our bills.
Benefits Service Company will design a Long Term Disability Plan(s) that meet your company’s specific needs and objectives as part of a comprehensive Employee Health and Welfare Plan. We pay particular attention to the affect of employer paid plans. Generally speaking Disability Insurance Benefits are Taxable if the employer pays the premiums. We can design a plan that provides a Tax Free Benefit in the event of a claim.
“If your current insurance broker hasn’t talked to you about a Health Savings Account yet, why not talk to us?”
Call: 908.232.9244