The most important asset you have is YOUR ABILITY TO EARN AN INCOME

If you have bills, you need a disability income plan.

Illness or injury—like back problems, cancer, or mental health challenges—can happen to anyone and may take you out of work. Most people think savings or paid time off will be enough, but with nearly 4 in 10 Americans unable to cover an unexpected $400 expense1, that's a risky bet.

Your income is your most valuable asset! Protect it!

You insure your home, car, and health—but what about your paycheck? Health insurance covers medical costs, but not everyday bills. Disability insurance replaces a portion of your income if you're unable to work due to a covered illness or injury, helping you stay afloat financially while you recover.

Get a Disability Insurance quote in seconds.

It's that simple.

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Terri and Keith Hoffman have been educating and promoting income protection (Disability Insurance) with clients for the past 30+ years.

Their extensive knowledge of the industry has assisted many who are interested in insuring their personal income. The most common question they get is:

Why do I need disability insurance?

Many people think they do not need disability insurance. However, the uncomfortable truth about disability is that it can happen to anyone at any time, regardless of health or lifestyle.

According to the Social Security Administration (SSA), more than one in four of today’s 20-year-olds will become disabled before reaching age 67.2 With many American workers living paycheck to paycheck,3 a disabling injury or illness could become very costly, very quickly. SSA benefits alone often aren’t enough to cover a person’s living expenses. The average disabled-worker benefit only pays about $1,537 per month4 which is barely enough to stay above the poverty line.5

While all of this may be a bit alarming, it’s important to be prepared and know your options should you become disabled, even temporarily. Disability benefits may provide financial relief so you can heal and recover without the added stress of lost wages.

If you require additional information or would like to discuss your options in detail, feel free to call (And rest assured, we will never sell your personal info.)

Terri Hoffman

(512) 651-2970 | thoffman@cwsplanning.com

Keith Hoffman

(512) 651-2970 | keith.hoffman@cwsplanning.com

Capitol Wealth Strategies is not an affiliate or subsidiary of Guardian.

8819159.1 Exp: 3/15/28