Larry Madama & Associates

Group Disability Insurance for Your Company

What are the chances of an employee becoming disabled?

Chances of a Disability Lasting 90 Days or More Prior to Age 65
Number of Employees in Group
Age	1	2	3	4	5	10+
25	29.7%	50.6%	65.3%	75.6%	82.8%	97.1%
30	29.4%	50.1%	64.8%	75.1%	82.4%	96.9%
35	28.8%	49.4%	64.0%	74.4%	81.8%	96.7%
40	28.2%	48.4.%	63.0%	73.4%	80.9%	96.4%
45	27.1%	46.8%	61.2	71.7%	79.4%	95.7%
50	25.3%	44.2%	58.3%	68.8%	76.7%	94.6%
55	22.6%	40.0%	54.5%	64.0%	72.1%	92.2%

What happens if an employee is disabled?

What would be the impact on the company's:

Advantages of a Group Disability Insurance Policy
Employer Advantages	Employee Advantages
Tax deductible business expense Helps attract and retain quality employees Relieves moral obligation to pay disabled employees Less expensive than self-insuring the risk Insurance company manages the claim Frees up funds to pay a replacement employee Increased employee moral Surprisingly affordable	Continuation of income when sick or hurt Continuation of income during childbirth Employee can continue to meet financial obligations Security and peace of mind No evidence of good health required (most cases)

Consider this flow chart:

	Premium Cost
Plan Type	Employer	Employee	Benefits During Disability
Traditional Employer Paid Group Plan	Pays premium and deducts as business expense	Not taxable	Taxable income
Bonus Plan	Bonuses premium to employee and deducts as business expense	Taxable income to employee	Tax free
Personal	-	Employee pays with after-tax dollars	Tax free

Request a Group Disability Insurance Quote

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Contact First Name:	Contact Last Name:
Company Name:
Street Address:	City:
State:	Zip:
Business Phone:
Email Address:
What product or service does your company provide?
About how many employees work at your company at least 30 hours per week?
Does your company have locations in more than one state?		Yes No
How long has your company been in business?
Does your company sponsor disability insurance now?		Yes No
If so, through what insurance company?: