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Wealth Management Services: Disability Insurance

No matter when a disability strikes — whether it's while you're working or after you retire — two distinct challenges loom.

1. Rising costs
2. Reduced income

If disability strikes when you're still actively working, it can result in anything from a significant reduction in lifestyle to more catastrophic consequences, including the inability to pay for a child's education to the loss of a home, business or both.

• Group disability insurance provided through an employer or workplace
  may not adequately protect you or fully replace your income
• Most group plans have a wait period before benefits are paid

So how can you protect yourself and your family in the event of disability?

At PFS we take a strategic approach to examining your disability insurance needs and proposing viable alternatives that suit your unique situation. In many cases, clients only need to supplement current disability coverage to ensure gaps are closed. In other cases, more comprehensive solutions are required.

Protect your greatest asset, your earning power.