18.7 % Of the Countries Population Has Some Level of Disability

According to the US Census Bureau’s Report “American’s With Disabilities: 2005” 18.7% of the countries population has some level of disability. You should consider purchasing a private long term disability policy.

Before doing so, you should consider the following:

• A short elimination period will allow you to quickly receive benefits.
• A policy that provides for cost of living adjustments if you are disabled over a long period of time.
• A long term disability policy that does not have any reductions if you receive Social Security Disability benefits.

Nancy Cavey, long term disability policy expert, has written Robbed of Your Peace of Mind a book that you should read before you purchase a disability policy.