The chance of becoming disabled at some point during your working career is considerably higher than you might think. In fact, a 20-year-old worker has a 30% chance of becoming disabled before reaching retirement age, according to the Social Security Administration (SSA Publication No. 05-10029: https://www.ssa.gov/pubs/EN-05-10029.pdf). For this reason, you may want to add disability insurance to provide financial protection for you, your family and the future. Should you become unable to work due to sickness or injury, disability insurance helps pay bills by replacing a portion of your income so that you don’t fall into serious debt.
HMP offers a number of disability insurance options from leading insurance carriers, so don’t hesitate to request a review of your current insurance portfolio to see how much disability coverage might be recommended.