No one thinks about becoming disabled. It is too unsettling. It is something that happens to someone else. But did you know that no matter what your age, you stand a greater chance of becoming disabled than of dying? In fact, at age 42 the risk is
4 times greater.* The reality of a disability is more than just a statistic. It's real bills, real expenses... and real life. If you are not financially prepared - it is a real problem.

Income protection is available through, Elective Long Term Disability Insurance. This is comprehensive coverage that is affordable and convenient because it is being offered to you through your employer.

If you are disabled and cannot work due to an injury, sickness or pregnancy, your Elective LTD insurance will pay you a monthly benefit. You qualify for payments by meeting the definition of disability and by satisfying the elimination period selected by your employer.

Key Features of Elective Long Term Disability:

• No medical questions to answer during the initial enrollment period

• Premiums paid via convenient payroll deduction

• Group rates generally lower than individual rates

• 24-hour coverage for injury, sickness, or pregnancy

• Premiums payments waived while you re receiving benefits

• Benefit payments not subject to federal income tax when premiums have   been paid with after-tax money

• Rehabilitative employment allowed and encouraged

• Survivor benefit for eligible dependents

• Conversation privilege available

You are eligible to participate in this plan if you are a permanment, year round employee working in the United States and meet the minimum hours and earnings requirement for your group. Your employer may also require that you be employed for a minimum period of time to be eligible for Elective LTD.

You will be asked to complete an enrollment form and return it to your employer before the enrollment deadline.

*Journal, American Society of Chartered Life Underwriters, Vol. 8, No. 1