Your lifestyle: Something to think about.

When you’re healthy and working, it’s hard to imagine being disabled by illness or injury. But it can happen. What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn’t work for months – or years?

You’d still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it’s easy to see how savings could quickly disappear.

Unfortunately, you can’t rely on other income sources like Social Security to protect you. In many cases, they don’t apply -- or aren’t enough. For more information on other income sources, see below. Think you're already protected?

Plan ahead to help protect your lifestyle. Then relax.

Disability Income Insurance policies that:

• Provide monthly income to help maintain your standard of living 
• Can be customized to fit your particular situation
• Help you retain independence and dignity without burdening others
• Help keep your financial dreams and goals for the future intact.

Here are the other reasons why Group Long-Term Disability (LTD) may not be enough:

• Group LTD usually covers only a portion of an employee’s compensation
• LTD benefits are generally taxable if the employer pays the premiums
• Many plans don’t cover bonus or incentive compensation
• There is often a maximum monthly cap and, as a result, an employee's monthly after-tax income during a disability may drop by 50% or more!

Contact Gino P. Molettieri today at 781-942-5000 x144

Please note that Investment and Insurance Products are: not FDIC insured, not bank guaranteed, may lose value, and not insured by any Federal Government Agency.

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