Insuring Your Most Valuable Asset…You!
Long Term Disability
If an accident or illness were to prevent you from working, would you be able to support yourself for six months, one year, or possibly longer?
Your paycheck is probably your most valuable asset. Protecting it is one of the smartest financial decisions you can make. The statistics alone illustrate the need for this essential protection:
- Just under 25% of today’s 20-year-olds will be out of work for a year or more before they retire.1
- A recent survey revealed that 77% of Americans live paycheck to paycheck and would find it difficult to meet their financial obligations if their paychecks were delayed for even a week.2
The bills don’t stop just because you can’t work.
A health issue can lead not only to medical bills, but also to extended time away from work. Long Term Disability (LTD) insurance protects your income if you need to miss work to recover from everything from back pain to a broken leg to cancer. LTD insurance is one of the most critical forms of coverage for working Americans—and one of the most overlooked.
If you or others are dependent on your ability to earn, then it’s worth considering, whether early in your career or nearing retirement.
Alum LTD Provides:
– 15% discount for alums and family members
– Special plans and benefit packages from an A-rated industry leader
– Expert advice
LTD benefits can help with:
- Income replacement. Coverage to help meet day-to-day expenses so you don’t need to deplete other financial resources.
- Student loan protection. For recent graduates living on starting salaries, student loan payments often comprise a significant portion of monthly expenditures, making a possible disability especially risky. An LTD policy with a student loan rider provides some extra protection.
- Retirement savings preservation. Emergency savings only goes so far. Disability income benefits can prevent you from having to tap into your hard-earned savings prematurely.
If you haven’t insured your income, contact us today to discuss the Alum LTD program. Our licensed professionals can help you select a policy that fits your needs both today and down the road.
1 Disability Statistics. Council for Disability Income Awareness. thecdia.org/disability-statistics/. Accessed September 11, 2025.
2 Survey Reveals Ongoing Financial Strain as Majority of Americans Depend on Timely Paychecks. Payroll.org. info.payroll.org/pdfs/npw/2025-Getting-Paid-In-America-Survey-Results-Report.pdf, September 17, 2025.
3 Council for Disability Awareness, 2018.
Learn more about your Long Term Disability insurance options
Learn more about Long Term Disability insurance
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