Income Protection Plans | McIntosh & Associates, Inc.

Income Protection Plans

Disability Insurance

Are you neglecting your income protection needs? How would you replace your lost income or the loss of your ability to continue saving for your future? Your income is the foundation of your financial plan. It’s what makes everything else possible. So just as you protect yourself against unexpected property damage, medical expenses and loss of life, you should also protect yourself against loss of income due to disability.

What would happen if you became too sick or hurt to work? Would you have enough income to maintain your lifestyle and protect your family’s future? For many people, the answer is “NO”.

Nothing is more important than peace of mind and knowing your family is protected. Disability insurance is more important than life insurance because you are more likely to become disabled before age 65. You deserve to know all the details and how the policy can be tailored to meet your needs.

Critical Illness Insurance

Wouldn’t a check be better than a get well card? Living benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need the extra cash the most. Advanced medical technology is allowing many more people to survive critical illnesses that would have been fatal in the past.

These plans are designed to pay a lump sum benefit for your first diagnosis of the following covered conditions:

  • Invasive Cancer
  • Heart Attack
  • Stroke
  • End Stage Renal Failure
  • Major Organ Transplant
  • Terminal Illness
  • Advanced Alzheimer’s Disease

  • Loss of Independent Living
  • Loss of Limbs
  • Major Burns
  • Paralysis
  • Coronary Bypass Surgery
  • Heart Valve Replacement/Repair Surgery

Accident Plans

  • 1 out of 8 Americans each year seeks medical care due to injuries.
  • About 86% of accidents are non-traffic related.
  • Falls are the leading cause of accidental injuries among Americans in almost every age group.
  • One-third of children under age 14 who play organized sports have experienced an injury.

You can protect your hard-earned wages and savings with Personal Accident Insurance.

Your medical plan provides benefits to help with medical costs if you suffer an accidental injury. In that unfortunate event, you shouldn’t have to worry about unexpected financial setbacks as a result of an injury. Things like lost wages plus your out-of-pocket expenses and the cost for help with transportation, meals, child care, or even housekeeping can all add up. Personal Accident Insurance provides cash benefits regardless of any other insurance you have. By pairing it with your medical plan, you can extend your protection to help with those unexpected costs so you can focus on healing.

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