Disability Insurance & Long Term Care Insurance
Disability Insurance in Avon, Westlake, Lakewood, Ohio
Meeting your financial obligations when you can’t work
Let’s face facts: your financial obligations don’t disappear in the event you become disabled. Whether it’s a debilitating illness or some fluke injury that keeps you from working, you can’t predict the future…but you can protect yourself. Disability Insurance is the coverage that goes to work for you when you can’t work. Unfortunately, too many people believe it can never happen to them. However, that’s not the case. In fact:
 Just over 1 in 4 of today’s 20-year olds will become disabled before they retire.
 Over 37 million Americans are classified as disabled. More than 50% of those disabled Americans are in their working years (from 18-64).
If you were disabled how would you
Pay for your child’s college education?
Cover your mortgage payment?
Afford an automobile?
Put food on the table?
People insure their home, cars, jewelry and other possessions, yet they fail to protect their most valuable asset: their ability to earn a living!
Disability Insurance provides you and your family an income that will cover your financial obligations. Neverman Insurance offers a variety of disability insurance products that include:
- Individual & group Disability Insurance
- Short Term Disability Insurance
- Long Term Disability Insurance
- State Disability Insurance
 U.S. Social Security Administration, Fact Sheet February 7, 2013
 U.S. Census Bureau, American Community Survey, 2011
Long Term Care Insurance
Protect your independence AND your finances
The cost of long-term care can quickly jeopardize your retirement funds. Retirement planning should include an affordable way to protect your nest egg, enabling you or your spouse to receive the care they may need without depleting your retirement savings.
Long Term Care enables you to keep what you’ve worked so hard for while enabling you to make sound choices in long-term care. From home health care providers to assisted living facilities, you’ll find a host of options are available to you with the right type of long term care insurance in place.
The professionals at Neverman Insurance Agency can help you determine your individual needs and suggest Long-Term Care Insurance that specifically meets those needs.