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									Voluntary Group Long Term Disability Insurance
Provided by UNUM Life Insurance Company of America

What is a disability? Accidents or injuries, illness, or maternity that limit you from performing the material and substantial duties of your regular occupation for the period specified in your certificate, and then any occupation for which you are reasonably suited for by education, training, or experience. Why do you need longterm disability? “What are the odds a disability could happen to me?” Three out of ten people between the ages of 35 and 65 will be disabled at some time during their career for three months or longer. (1) Nearly two-thirds of disabling injuries occur off the job and are therefore not covered by worker’s compensation. (2)

What is your biggest asset? Your ability to earn a paycheck! If your paycheck were to suddenly stop due to disability, would any of these options provide a viable solution? Health Benefits – Health insurance covers only a portion of your medical bills, but it does not provide any income protection if you are unable to work and earn a living. Personal Savings – If you saved 10% of your annual income each year, one year of total disability would totally wipe out your personal savings! Social Security Disability Benefits – Approximately 69% of every 1,000 Social Security disability benefits claimants are rejected. (3)

Why should you buy long-term disability insurance? If a disability were to prevent you from earning an income, how will you pay your bills, mortgage, your car payments, and other expenses? There is a lot that depends on your paycheck – that’s why disability insurance is important to consider. Twenty-eight percent of US consumers live paycheck to paycheck; not many have savings or other disposable income they can rely on. (4) What can Voluntary Long Term Disability coverage do for you? Provide a tax-free income Offered guaranteed issue Offer partial disability benefits if you return to work part-time Offer Social Security disability benefits

*Gabor offers custom-designed insurance and retirement products focusing primarily on the higher education market in the State of Florida. Our voluntary programs provide benefits and services that will enable you to better achieve your long-term financial goals.

Voluntary Group Long Term Disability Insurance
Provided by UNUM Life Insurance Company of America

How do you enroll? New Employees Available to all new, salaried employees of a State University working at least 20 hours per week Offered guaranteed issue during the first 60 days of employment or during an open enrollment period Existing Employees Available with Evidence of Insurability (EOI)

Something to consider… Today, the top five causes of long-term disability claims include common medical conditions familiar to most Americans. (5) 1.) Cancer 2.) Complications of pregnancy 3.) Joint, muscle, or connective tissue problems 4.) Back injuries 5.) Cardiovascular disease

The Gabor Agency, Inc. 3500 Financial Plaza 4th Floor, Suite 400 Tallahassee, FL 32312 Tele: (800) 330-6115 Fax: (850) 894-4268

1.) Commissioners Individual Disability Table A, Society of Actuaries, 1985 2.) National Safety Council, Injury Facts, 2005-2006 Edition 3.) “Large Number of US Consumers Continuing to Live Paycheck to Paycheck”, Press Release, AC Nielsen, June 13, 2005 4.) Social Security Administration 5.) “Cancer Tops Most Frequent Causes of Long Term Disability Claims in 2004”, Unum News Release, March 13, 2006 Underwritten by the following subsidiary of Unum Corporation: Unum Life Insurance Company of America 2211 Congress Street, Portland ME 04122

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