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Disability Insurance
Safeguard Your Future

The Problem

You rely on your income to meet mortgage or rent payments, utilities, auto loans and other obligations. Could you make ends meet if you are disabled and your income stops?

What Are Your Income Options?

• Use personal savings
• Rely on company sponsored plans (short-term disability/long-term disability/salary continuation)
• Tap into retirement plans, if possible
• Apply for Social Security disability benefits
• Use family and friends for assistance
• Sell assets to make ends meet
• Individual Disability Income Plans

What is Disability Insurance?

Disability income is an income replacement insurance product used to provide part or all of your income if you become disabled and unable to work. Your employer may provide some short-term coverage, and possibly some long-term protection that typically replaces 60% of your pay, up to a specified ceiling, for a specified time. If so, review your employer's written plan information and if necessary, ask if optional supplemental coverage is available.

We have disability insurance coverage if you determine you need supplemental coverage. To help determine whether you have adequate disability protection, use our Disability Insurance Calculator , or...

Contact Us for More Information

To receive a no cost, no obligation consultation, or for more information, please email Todd Trevino, VP of Kirtland Financial Services or call (505) 254-4363 or (800) 880-5328 ext. 363.