Voluntary Group Long Term Disability Insurance by exb38697


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

   What is a disability?             What is your biggest             Why should you buy
                                    asset? Your ability to            long-term disability
      Accidents or injuries,          earn a paycheck!                    insurance?
   illness, or maternity that
  limit you from performing        If your paycheck were to            If a disability were to
the material and substantial          suddenly stop due to          prevent you from earning
      duties of your regular         disability, would any of        an income, how will you
  occupation for the period         these options provide a         pay your bills, mortgage,
specified in your certificate,           viable solution?            your car payments, and
  and then any occupation                                            other expenses? There
        for which you are          Health Benefits – Health          is a lot that depends on
   reasonably suited for by        insurance covers only a            your paycheck – that’s
     education, training, or        portion of your medical          why disability insurance
           experience.               bills, but it does not         is important to consider.
                                     provide any income
 Why do you need long-               protection if you are           Twenty-eight percent of
   term disability?                unable to work and earn              US consumers live
                                             a living.                paycheck to paycheck;
   “What are the odds a                                             not many have savings or
 disability could happen to        Personal Savings – If you         other disposable income
             me?”                     saved 10% of your                they can rely on. (4)
                                   annual income each year,
 Three out of ten people           one year of total disability        What can Voluntary
 between the ages of 35              would totally wipe out           Long Term Disability
and 65 will be disabled at          your personal savings!            coverage do for you?
  some time during their
career for three months or         Social Security Disability       Provide a tax-free income
        longer. (1)                Benefits – Approximately
                                     69% of every 1,000             Offered guaranteed issue
    Nearly two-thirds of           Social Security disability
disabling injuries occur off        benefits claimants are             Offer partial disability
 the job and are therefore               rejected. (3)                benefits if you return to
  not covered by worker’s                                                 work part-time
    compensation. (2)
                                                                       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?             Something to consider…

     New Employees               Today, the top five causes
                                   of long-term disability
   Available to all new,          claims include common            The Gabor Agency, Inc.
 salaried employees of a         medical conditions familiar        3500 Financial Plaza
State University working at       to most Americans. (5)             4th Floor, Suite 400
 least 20 hours per week                                           Tallahassee, FL 32312
                                    1.) Cancer
Offered guaranteed issue            2.) Complications of            Tele: (800) 330-6115
during the first 60 days of             pregnancy                   Fax: (850) 894-4268
employment or during an             3.) Joint, muscle, or
 open enrollment period                 connective tissue          www.gaboragency.com
   Existing Employees               4.) Back injuries
                                    5.) Cardiovascular
Available with Evidence of              disease
     Insurability (EOI)

  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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