Disability Income Insurance

Your chances of becoming disabled during your working career are probably higher than you think.
Nearly one in four men and women under the age of 40 will become disabled for 90 days or longer prior
to their retirement. Each year, one in 13 workers suffers a disabling injury or illness. (Source Book of
Health Insurance Data, Health Insurance Association of America).

Disability insurance pays monthly benefits when you become unable to work because of a disabling
physical or mental reason. Your individual coverage will determine when your benefits actually begin,
how much you receive, the limitations on your coverage, and how long you can receive benefits.
You must decide how much financial risk you are willing to assume if you suddenly find yourself unable
to work for an extended period of time. How many months can you live on your savings? Can your
spouse’s income cover the lost salary?

SYIG will assist you with your disability insurance needs, or income protection. We offer a variety of
plans from many insurance companies for both groups and individuals. The MLC minimum requirement
for loss of income insurance is a benefit period of 16 weeks. However, we also have benefit periods as
long as 104 weeks.