Disability Insurance

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• Disability insurance is the foundation of any financial plan. 

Everything you own and everyone you provide for relies on your ability to generate income. Without income everything you have worked so hard for can come crashing down. The need for disability insurance is immediate and can begin even before the need for life insurance, such as with single working people. The chances of a disability, prior to age 65, are 5 times greater than that of death.

Employer provided disability insurance or Group LTD, Though a great benefit, is in many cases inadequate. Group LTD often only covers your base salary and the benefits are treated as taxable income.  

At Maze Insurance our goal is to provide you with at least 60% of your income on an after tax basis if disabled. Individual disability insurance can be used to replace lost income, cover debt and make lost retirement contributions due to a disability.