HENRY ALVES INSURANCE AGENCY, INC.
Henry (Hank) Alves
Henry Alves Ins Agency, Inc.
Bus: 210-659-6176
Fax: 210-659-6412
8603 Fm 78 Ste 1
Converse, TX 78109
Disability Insurance Get a quote
Did you know that the average Social Security disability payment is just over $755 per month?
Can you make it on that?
At age 35, you have a 1 in 4 chance of being disabled longer than 90 days sometime during your working lifetime!
Long Term Disability Insurance (LTD) is designed to replace a part of your income (usually up to 60%) if you are disabled for a long period of time. Most policies have a time-deductible (known as an "elimination period") before benefits begin. Usually this is 90, 180 days, though it can vary by policy and insurer.
If you have a good health history, you may be able to qualify for this valuable protection. Ask us about plans available - we'll be glad to help!
Resources:
Disability Special Report by WISER (2001)
Consumer Federation of America LTD Brochure