Why is Supplemental LTD Important?

11.3 million Americans - 1 out of 15 - from age 16 to 64 have a severe work disability that makes it difficult to remain employed or find a job (US Census Bureau Americans with Disabilities, P70-73, February 2001).
During the course of a career people are 350% more likely to be injured and need disability insurance than to die and need life insurance (Health Insurance Association of America, 2000).
48% of all home foreclosures are due to a disability (US Housing and Home Finance Agency).
1 in 4 of the families who filed bankruptcy in 1999 cited the major reason as illness or injury (May 2000 Norton Bankruptcy Advisor).