Who pays the bills if illness or injury keeps you from working?

You plan to buy a home. You plan to pay for college. You plan for retirement someday. But most people don’t plan for an injury or illness to keep them from working. In the United States a disabling injury occurs every second and a fatal injury occurs every four minutes. (According to National Safety Council® Injury Facts® 2010 Ed.)

According to the LIFE Foundation, disability insurance from your employer typically only covers 50% of your income.  If you’re depending solely on this – you may come up short if you can’t work and bills are due.

What are the chances you or your spouse will become disabled? It’s not just freak accidents that keep people from working. The majority of long-term absences from work are due to common illnesses like cancer and heart disease.

HCPFCU offers MEMBER’S CHOICE® Credit Disability or Joint Credit Disability Insurance, underwritten by CMFG Life Insurance Company, to help our members prepare for the unexpected. It can help cover the gap between your employer’s disability benefits and your bills.

Most of us can’t afford to miss even one pay check without compromising or missing financial obligations. Disability insurance can help pay your loan, so you or your loved one can focus on what’s really important: getting better.

Check with our Loan Officer, Jana Major,  for more details on MEMBER’S CHOICE Credit Disability and Joint Disability Insurance, including benefits, exclusions and limitations.  Contact Jana at JanaM@hcpfcu.org or 765-962-3172 ext 108.

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