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Robert Isaacson AAI®

Tim Shada LUTCF Shada Insurance Services ®

Holdrege Lundeen-Isaacson/ Barney Insurance

Jeannie Steinbrink

Rick Smith LUTCF® Farm Bureau Financial Services

2011 Jim Whitesel

Kimberly Snavely

Twin Rivers Insurance Group

State Farm Insurance & Financial Services

Sheila Tringe

Roger White

Lona Ferguson

Boyd Damme

RHU® Central Benefits Group

LUTCF Principal Financial Group

White & Associates Financial Services


LUTCF® BKD Insurance & Financial Inc.

Robert Haller

Don Snyder

Jeffrey R. Morgan

Rich Peters

Paul Stec

CLU LUTCF Executive Insurance Associates

LUTCF Farm Bureau Financial Services

LUTCF Morgan & Associates Inc.

Farm Bureau Financial Services



Ray Bunnell LUTCF® Farm Bureau Financial Services




Rick Trampe

Jim Krason LUTCF® J.E. Agency Inc. & American Family Insurance

Farm Bureau Financial Services

Jeff Cornelius First Financial Services

LUTCF® Farmers Insurance Group

Doug Brummels Affiliated Brokers Insurance

John Roschewski Farm Bureau Financial Services

Additional Members: Richard Fuerst, AFLAC; Sharon Cover, AFLAC; Travis Duryea, Farm Bureau Financial Services; Gary Barth, Barth Financial; Scott Driver, Horace Mann; Elizabeth Lawrence, American Family Insurance; Ed Duryea, Farm Bureau Financial Services; John A. Gustafson, John Gustafson & Assoc. LLC; Alan & Sharon Cover, AFLAC; Erin Philbrick, Erin Philbrick Agency; Ryan Urkoski, New York Life; Helen Ohme, Farm Bureau Financial Services; Stan Weander, Blue Cross Blue Shield; Randy Myers, Farm Bureau Financial Services; Brian Magiera, American Family Life Insurance Co; David Hunt, Principal Financial Group; Phil Hinrichs, Farm Bureau Financial Services; Greg Duryea, Farm Bureau Financial Services; Jim Leggott, Central Financial Services-Midwest; Patricia Schoone, Pat’s Insurance Center; Pamela Triplett, Triplett Insurance; Donna Bunnell, Farm Bureau Financial Services; Ron Mallam, Ohio National Life Insurance Co.; James Clang, New York Life Insurance; Tom Carlson, Principal Financial Group; Deon Fiene, Shelter Insurance; Ryan Urkoski, New York Life; Stefanie Clang, New York Life; Rex Sindt, Colonial Life; Stacey Ross, Colonial Life; Natalie Rickel, Rickel Agency; Carl Matt Kucera, Colonial Life; Scott Driver, Horace Mann; Cameron Clausen, Farm Bureau Financial Services; Michael Wilken, MP Wilken, Inc.; Stan Weander, Blue Cross/Blue Shield; Tasha Aschwege, Aschwege Shelter Insurance; Bruce Hendrickson, Principal Financial Group; Michael Meyer, The Alliance Group; Kim Triplett, Triplett Insurance Options; Carl Matt Kucera, Colonial Life; Margaret Stubbs, Ohio National Life Insurance Co.; Natalie Rickel, The Pinnacle Agency;

Life Events From time to time events will occur in your life that create a need for you to reevaluate your disability insurance coverage. Having a child, getting married, buying a home, changing jobs and planning for college are just a handful of examples. This section examines a few of the most common types of life events that generally trigger the need to reassess your disability insurance needs.

Changes at Work If you work for a company that provides its employees with group disability insurance, benefits typically replace a fixed percentage of your salary, say, 50%. So if you get a raise, your disability benefit will automatically adjust upward. An exception would be if you are a fairly well compensated employee and your income already places you at your company's maximum monthly cap for disability payments, often set around $4,000 or $5,000. In these instances, if you get a raise and you're concerned about the loss of income that would occur if you were to become disabled, you can always seek to supplement your group coverage with an individually purchased policy.

Changes at Home If you become disabled and are unable to work, you'll be in a financial pickle if you don't have a source of replacement income to help make ends meet. That need becomes even more pronounced when other people become dependent on your income like, say, your new spouse or newborn child. A less obvious example might be if an elderly parent becomes dependent on your income. So every time there's a change in your family situation, either in your immediate or your extended family, make sure you take a minute to carefully consider whether that change should trigger a reevaluation of your disability insurance needs.

Changes in Your Finances As your income increases, you should consider increasing your disability insurance coverage because you would have to replace a higher amount of income to keep pace with the higher standard of living to which you and your family have become accustomed. When you buy individual coverage, it sometimes makes sense to pay extra for something called a Future Purchase Option rider. This provision ensures that health issues that may have arisen since you purchased your policy won't prevent you from increasing your coverage. *Information provided by


RHU ® Central Benefits Group LUTCF ® Shada Insurance Services Rich Peters Jim Whitesel Twin Rivers Insurance Group Don Snyder Tim Shada LUTC...

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