Disability Insurance

When you are unable to work, long or short term disability insurance goes to work for you.

Many people wonder what were to happen if they are unable to work due to an accident?

If you were injured and unable to work, have you thought about how to:

  • Pay your monthly bills?
  • Pay your mortgage or rent?
  • Purchase groceries?
  • Pay your car loan?
  • Continue saving for your child’s education?
  • Will the cost of your accident will dip into retirement savings?

Did you know?? that there is a 43% chance that you will be disabled between the ages of 40-65 years old for a period of up to 90 days?  (Source: 2004 Field Guide, National Underwriter)

When evaluating the chances of disability, you should carefully consider sources of available funds.

  • Using savings
  • Obtaining a loan
  • Working Spouse or Partner
  • Selling investments
  • Collecting Social Security
  • Counting on friends, family or charity

Many different disability insurance products are available to help protect you and your family against severe financial hardship that may accompany a disability so you do not have to withdrawal funds meant for savings.

Talk with us at Charles Garland & Harris to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 575-437-6910.

To help guide you through the employee benefits process
call Cesar Acosta or Bruce Foster at Charles Garland & Harris

Cesar Acosta
Group And Individual Health And Life Insurance
575-437-6910 Ext 106

Bruce Foster, CIC
Insurance Agent
Voice (505) 938-2437
Fax (575) 437-8187

3310 N. White Sands Blvd
Alamogordo, NM 88311
Monday- Friday 9am-5pm

We have everything you need all under one roof, the Red Roof.