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1
So are we to understand that you
do not plan to become disabled ?
2
Just to be clear - - -
3
You are aware that
some people do become
disabled ? ? ?
4
In fact here are some
odds you may find
surprising
5
Numbers to pay attention to :
• 1 in 4 of today’s 20-year-olds
will become disabled before
retiring. 1
6
7
• The average individual
long term disability
claim is 31 months. 2
• And of those there is a
38% chance of being
disabled for 5 years or
more. 3
After all it would be kind of crazy to
think you are planning on becoming
disabled !
8
R i g h t
?
9
10
Who gets up in the
morning and thinks to
themselves,
“Today is the day ?”
11
“Today I am going to have
myself a nice disability. Now
let’s see--what kind will it be ?”
12
Of course that is silly. We don’t
expect to be disabled – at least
most of us don’t…
13
We take it for granted we’ll
we’ll have continued good
health.
14
It probably has to do with
self-preservation,
or something like that.
15
Possibly we should override that
assumption of guaranteed good health
and decide a Plan B might actually be a
smart idea after all.
16
And we might
sleep better at
night having a
Plan B, just in
case.
17
Maybe the cost wouldn't
seem that much,
considering . . .
18
The unprotected
potential loss of our
livelihood, for some
unknown period of time,
is not a pleasant thought.
19
Maybe it’s time to call Dick,
that disability insurance guy.
What can it hurt ?
20
Dick Nehls
California Broker License
# 0455702
(800) 888-1532
21
Sources For Statistics
1 Social Security Administration Fact
Sheet – March 18, 2011
2 2010 Gen Re Fact Book
3 Council for Disability ,
Personal Disability Quotient
calculator
22
Thank you for watching this
presentation.
We look forward to hearing
from you soon.
The End
All rights reserved – Dick Nehls 2017

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Not me

  • 1. 1
  • 2. So are we to understand that you do not plan to become disabled ? 2
  • 3. Just to be clear - - - 3
  • 4. You are aware that some people do become disabled ? ? ? 4
  • 5. In fact here are some odds you may find surprising 5
  • 6. Numbers to pay attention to : • 1 in 4 of today’s 20-year-olds will become disabled before retiring. 1 6
  • 7. 7 • The average individual long term disability claim is 31 months. 2 • And of those there is a 38% chance of being disabled for 5 years or more. 3
  • 8. After all it would be kind of crazy to think you are planning on becoming disabled ! 8
  • 9. R i g h t ? 9
  • 10. 10 Who gets up in the morning and thinks to themselves, “Today is the day ?”
  • 11. 11 “Today I am going to have myself a nice disability. Now let’s see--what kind will it be ?”
  • 12. 12 Of course that is silly. We don’t expect to be disabled – at least most of us don’t…
  • 13. 13 We take it for granted we’ll we’ll have continued good health.
  • 14. 14 It probably has to do with self-preservation, or something like that.
  • 15. 15 Possibly we should override that assumption of guaranteed good health and decide a Plan B might actually be a smart idea after all.
  • 16. 16 And we might sleep better at night having a Plan B, just in case.
  • 17. 17 Maybe the cost wouldn't seem that much, considering . . .
  • 18. 18 The unprotected potential loss of our livelihood, for some unknown period of time, is not a pleasant thought.
  • 19. 19 Maybe it’s time to call Dick, that disability insurance guy. What can it hurt ?
  • 20. 20 Dick Nehls California Broker License # 0455702 (800) 888-1532
  • 21. 21 Sources For Statistics 1 Social Security Administration Fact Sheet – March 18, 2011 2 2010 Gen Re Fact Book 3 Council for Disability , Personal Disability Quotient calculator
  • 22. 22 Thank you for watching this presentation. We look forward to hearing from you soon. The End All rights reserved – Dick Nehls 2017