THIS WEEK'S SPOTLIGHT

Your most valuable asset may not be your home, car, or family heirlooms – for most people, its your ability to earn an income for you and your family. Every employed person needs paycheck/income replacement protection, just as every employed person needs medical insurance, life insurance, auto insurance, and air to breathe. Figuring out if you need disability insurance is pretty easy. If you have a job you need it.

Outstanding Features

PAYS DIRECTLY TO YOU

Or whomever you designated.

DAILY BENEFITS

Prorated at the daily rate of 1/30 of the monthly plan selected.

Up to 24 months

BENEFITS PAID OVER AND ABOVE ANY OTHER INSURANCE

CPS Sick leave, Personal leave, Worker's Comp & CPS Sick bank

COVERAGE FOR SICKNESS OR ACCIDENT

24 hours per day, On/Off the job, Summer/Winter/Spring Break, anywhere in the world.

MATERNITY/ CHILDBIRTH/ COMPLICATIONS OF PREGNANCY

Pays the same as any disability for a period of thirty (30) days (non-Cesarean delivery) or forty-five (45) days (Cesarean delivery). With a 14-day elimination period. Additional days may apply for pregnancy complications.

CHILD CARE EXPENSE BENEFITS RIDER

Pays a weekly benefit for each eligible dependent chilld incurring childcare expenses while the insured person is receiving total disability weekly benefits. Pays 10% of the total disability weekly benefits for each child up to $200/week for all children combined.

CHILD EDUCATION BENEFITS RIDER

Pays a weekly benefit for each eligible dependent child’s secondary education costs while the insured person is receiving total disability weekly benefits. Pays 10% of the total disability weekly benefit for each child up to $200/week for all the children combined.

MENTAL ILLNESS & NERVOUS DISORDER

Pays the same as any other sickness (Not covered by CTU Sick Bank)

ORGAN DONOR (BONE MARROW)

Pays the same as any other sickness

SUBSTANCE ABUSE

Pays the same as any other sickness

A fulfilled need doesn’t motivate, but an unfulfilled need, such as an empty pocketbook, does. As we grow, our goals will change. The “AIM HIGH” concept of being a millionaire in ten years may not have seemed aiming high enough for ten years from now.

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