What's at risk?

It is sobering to consider how much depends on your income.

As illustrated above, without disability income insurance, during a disability you would face the likelihood of significant loss of income at the same time that your medical bills increase. Your savings could quickly be depleted. Bills for your mortgage, cars, utilities, education, loans and other daily expenses would keep coming. Do you know how you would manage?

The Good News

As shown in the table below, with advances in medicine, the incidence of death from major illnesses
has decreased significantly.

The Bad News

The incidence of disability from these same illnesses has increased dramatically.

How would you pay your bills?

• You could use your savings... What will you be giving up? A child's education? Retirement?

• You could borrow money... Who will lend you what you need? How will you pay it back?
• You could tap into Social Security... Its definition of disability is strict and you may have to wait for as long as a year to qualify.

You are eligible for special NCCCC member benefits!

To give you and your family a measure of financial security, NCCCC has approved an individual disability insurance discount program from The Standard for its members.