Released on = July 10, 2007, 2:05 pm

Press Release Author = Lala C. Ballatan

Industry = Law

Press Release Summary = According to recent reports, one-third of the workers in
America are likely to become disabled for extended periods even before they reach
the age of retirement. Thus, having a disability insurance is a positive investment
for when this time comes, even if we are hoping against it. Mrs. Cindy Wrenn of
Knoxville, Md. realized this when she had brain aneurysm and stroke at the age of 28
years old. Upon her disability, she realized that the premiums for disability
insurance she and her husband paid for have not just been a drain on their checking
accounts.

Press Release Body = According to recent reports, one-third of the workers in
America are likely to become disabled for extended periods even before they reach
the age of retirement. Thus, having a disability insurance is a positive investment
for when this time comes, even if we are hoping against it. Mrs. Cindy Wrenn of
Knoxville, Md. realized this when she had brain aneurysm and stroke at the age of 28
years old. Upon her disability, she realized that the premiums for disability
insurance she and her husband paid for have not just been a drain on their checking
accounts.

Los Angeles, California, July 6, 2007 - It was on February, 2002 when Mrs. Wrenn
signed up for a long-term policy of disability insurance. It was a supplement to a
insurance policy she obtained through her licensed title agent job. Right after her
stroke, these policies paid up to 70% of her salary during the next six months
before she was fully well to get back to work full time.

Since the premiums have not been very outrageous, Mrs. Wrenn and her husband did it
even though they thought they were very young yet to be struck with illness and are
secure in their jobs.

The disability insurance actually provides a replacement of the partial income being
earned by a disabled person. Consequently, these payments help out for the disabled
person\'s family to avoid dipping into savings, selling a home or changing their
lifestyle radically just because of the illness and temporary disability that
struck.

There is a large possibility for working people in America to become struck with
disability rather than dying prematurely. However, people with life insurances are
twice as many than those with disability coverage, according to statistics of the
industry.

The Social Security Administration reports that one-third of the workers who are 20
year old presently may become disabled before they reach the retirement age of 67.
Since the cause of disability is primarily because of chronic disease. There is also
a large possibility of being diagnosed with problems related to muscuskeletal and
cardiovascular and cancer rather than becoming victims of work-related and/or
non-workplace accidents.

This study was brought about by the Life and Health Insurance Foundation for
Education, which is a non-profit organization aiming to inform the public about
their need to obtain insurance.

Craig Sampson, a lawyer based in Richmond, VA said that even if job-related expenses
decreases when someone become disabled to work, other expenses may also begin to
soar. Homes may need to be altered in order to accommodate a disabled member of the
family. Sampson said that being disabled leaves a person to also become financially
crippled quickly.

Many people have testified to the unexpected financial security they have found even
when disabled due to having a disability insurance.

Disability insurance have two major types, the short-term coverage and the long-term
insurance. The former are often offered by employers and usually covers the first
stages of disability. It may provide income to the disabled from a week up to one
year or two, according to the policy.

On the other hand, long-term insurance pays off after the short-term disability
coverage already expires. It helps out in replacing income for a preset period.

It is sad to note that 42 percent of present full time workers do not have short or
long term disability insurance, as reported by Michael Fradkin, vice president for
disability product management of Metropolitan Life Insurance Company

It is but important to realize the importance of disability insurance policy and
understand about the coverage for the premiums they have to pay since this kind of
insurance are especially helpful for unexpected demise in work and normal body
functions of a worker.


Expert Los Angeles Attorney and Law Firm - We are very much engaged in handling
Personal Injury Cases, Employer-Employee Disputes and Social Security Claims of our
clients. Over the years, our law firm has specialized in advocating consumer rights
against large insurance companies and defense firms. We have been very successful in
reaching very high settlements and verdicts. Visit our website at
http://www.expertlosangelesattorney.com


Web Site = http://www.expertlosangelesattorney.com

Contact Details = http://www.expertlosangelesattorney.com