CreativeOne’s experienced disability insurance (DI) team works in collaboration with Disability Insurance Services (DIS) to create a disability protection package that’s right for you and your clients.
Because your clients need it. Because it’s our goal to support you with a full range of leading insurance solutions. Because we care about your clients and your relationship with them. This is important for all clients, including millennials. Listen as Pat, Rena, and Ian give you insights into why that’s the case.
Only 40% of U.S. households have enough liquid savings to cover three months of living expenses, and only 28% have enough to cover six months of expenses. ¹
Of today’s 22-year-olds, one in four can expect to be out of work for at least a year with a disabling condition over the course of their career. ²
Each year, approximately 5% of working Americans experience a short-term disability (six months or less) due to illness, injury or pregnancy. Almost all of these disabilities are non-occupational. ³
From 2009 to 2018, only 32% of Social Security Disability Insurance (SSD) claims were approved. 21% of those were approved at the initial application stage, while the remaining claims went through a lengthy appeals process before being approved. ⁴
The average SSDI benefit for a disabled worker is $1,279 per month. That equals $15,348 per year, which is below the poverty line of $17,420 for a two-person household. ⁵
Watch as we outline just how our DI services can help those physicians protect their incomes and their practices.
Ensuring your clients have adequate disability insurance in place is vital to protecting their wealth and financial stability. Let us help you implement a well-researched, custom disability insurance solution to protect your clients and enhance your practice.
Call the disability insurance team today at 800.992.2642 and let’s start the conversation.
[2] https://www.ssa.gov/oact/NOTES/ran6/an2020-6.pdf
[3] https://www.askgms.com/disability-and-life-insurance.html
[4] https://www.ssa.gov/policy/docs/statcomps/di_asr/2019/sect04.html#chart11
[5] As of February 2021. https://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/, https://aspe.hhs.gov/poverty-guidelines
800.992.2642
6330 Sprint Pkwy
Suite 400
Overland Park, KS 66211
getcreative@creativeone.com
FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. The information provided herein is the exclusive property of CreativeOne and is protected by copyright and other intellectual property laws of the United States. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Broker-Dealer and Registered Investment Advisory services provided by CreativeOne Securities, member FINRA/SIPC. CreativeOne Securities is a wholly owned subsidiary of CreativeOne. CreativeOne is not responsible for the results of the program or any liability stemming from the use of it. Although we may promote and/or recommend the services offered by this company, agents are ultimately responsible for the use of any materials or services and agree to comply with the compliance requirements of their broker-dealer and registered investment adviser, (if applicable), and the insurance carriers they represent.
© 2023 Creative One Marketing Corporation.
We collect information based on your actions although it does not personally recognize you when you visit our website or those that we serve advertisements. We collect information from you when you register on our site or fill out a form. Your information is collected and used to improve customer service and help us effectively respond to your service and support needs.
Your information will never be traded, shared or sold.
The online privacy policy only applies to information collected through our website and not to information collected offline.
We do send periodic emails and your email address may be used to send to you information and updates pertaining to your needs for services you may be interested in. All of our emails use common email best practices and are CAN SPAM compliant. All of our emails contains easily opt out links in the footer.
Our advertisers and us try and reach the best inventory by working with third parties to help us recognize the user and serve them relevant ads when you are in the network. We also can recognize you on different devices to show those advertisements. We also use third parties for online website analytics so we can continue to serve the right ads to the right person.
We will use cookies and pixels to keep track of your actions on our website. As you browse creativeone.com, advertising cookies will be placed on your computer so that we can understand what you are interested in so that we serve you more relevant ads. Cookies are usually small text files, with an Id tag to store in the computers data subfolders. Our display advertising partner then enables us to present you with retargeting advertising on other sites based on your previous interaction with creativeone.com. The techniques our partners employ do not collect personal information such as your name, email address, postal address, or telephone number. You can visit this page to opt out of our display partner’s targeted advertising.
By using our site you consent to our privacy policy.
Our Privacy Policy was last updated on March 30, 2015 and if there are any questions feel free to refer to our contact page.