• Many people insure their lives, home, car, boat, but not their income– Home fire – 1 out of 88 homes– Auto accident – 1 out of 70– Death – 1 out of 106– Disability – 1 out of 8

Loss of income leads to loss of all assets

Always find out from employee any current disability insurance

Need for Disability

Types of Businesses

Has no long or short term– Can’t afford it– 100% employee paidNo short term/has long term– 90 or 180 day eliminations– Offer 3 or 6 month optionsHas short term/no long term– Offer longer elimination– Extend their benefitsHas both short and long term– Sufficient benefit amounts– Find out if underinsured

Disability Options

• Elimination Period– 0/7– 0/14– 7/14– 0/30– 30/30– 60/60– 90/90

• Length of benefit– 3, 6, 9, 12 or 24 months

• Amount of benefit– Up to 70% of income

• Pre Tax or After Tax• Own Occupation – Any Occupation

– Aflac only offers Own Occupation

Aflac’s Personal Disability

Income Protector PlanPolicy benefits include:

• Benefit periods of 3, 6, 12 or 24 months.

• Elimination periods of 0/7, 0/14, 7/14, 0/30, 30/30, 60/60, 90/90 or 180/180 for Accident/Sickness.

• Disability income from $500 to $5,000 per month.

• Definition of Total Disability: “A continuing inability to perform the material and substantial duties of your full-time job” you must also be under the care and attendance of a physician for your condition.

• Pre-Existing Condition Limitation: “A sickness or an injury, for which medical advice or treatment was recommended by a physician within the 12-month period before the effective date of the coverage. Pre -existing conditions that occur more than 12 months after the effective date of coverage will be covered. Illnesses, diseases or disorders that are medically treated or diagnosed within the 30-day period after the effective date will not be covered for 12 months from the effective date of coverage.”

Target Market

• Pregnancy– Vaginal Birth – 6 weeks– Cesarean Birth – 8 weeks

Must happen 10 months after purchase of policy