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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?
- 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
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...
For more information, contact a MEMBERS Financial Services Representative serving Virginia Credit Union for a no cost, no obligation consultation.
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Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (800) 369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.
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©1997-2010 CUNA Mutual Group.
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