Question?

Who Is The Largest Minority Group In

America?

Answer…

It’s the 37 Million Americans That Are Currently Disabled!!

(Source: the 2009 U S Census Bureau).

The Impact Of Disabling Injuries

• On Average, A Disabling Accident Occurs Once EVERY Second In The US. • Nearly 18.5% Of Americans Are Currently Living With A Disability. • 1 Out Of Every 4 Persons In The US Workforce Will Suffer A Disabling Injury Before Retirement. • Over 37 million Americans Are Classified As Disabled.

Chances Of A Disability Almost 3 In 10 Workers Entering The Workforce

Today Will Become Disabled Before Retirement.

3 Out Of 10 Workers Between The Ages Of 25 And 65 Will Experience An Accident Or Illness That Keeps Them Out Of Work For 3 Months Or Longer.

In The Last 10 Minutes…. 498 Americans Became Disabled.

(Source: Social Security Administration, Fact Sheet, January 31, 2007) (Source: Social Security Administration, Fact Sheet, January 31, 2007)

(Source: National Safety Council®, Injury Facts® 2010 Ed.)

Chances Of A DisabilityThere Is A Death Caused By A Motor

Vehicle Crash Every 12 Minutes…

…There Is A Disabling Injury…. Every 13 Seconds.

In The Home A Fatal Injury Occurs Every 12 Minutes …

… A Disabling Injury…. Every 3 Seconds.

- National Safety Council®, Injury Facts® 2008 Ed.

Did You Know?? 48% Of VA Home Foreclosures Are Due

To A Disability (Source: FHA, Disability Income concept,1998).

In December Of 2010, There Were Over 3.5 Million Disabled Workers In Their 20s, 30s, And 40s Receiving SSDI Benefits.

Source: FHA, Disability Income concept,1998 Source: Social Security Administration, Disabled Worker Beneficiary Statistics, ssa.gov

TOP Reasons Every Working American Needs To Protect Their Paycheck

Less than 5% of disabling accidents and illnesses are work related. The other 95% are not, meaning….

Workers’ Compensation DOESN’T COVER THEM. The average long-term disability claim duration is 31.2 months

Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2009, a 49.6% increase over results from a similar 2005 study.

65% of initial SSDI claim applications were denied in 2009.

About 100 million workers are without private disability income protection.

Council for Disability Awareness, Long-Term Disability Claims Review, 2011) The American Journal of Medicine, June 4, 2009 Medical Bankruptcy in the United States, 2007 Social Security Administration, Disabled Worker Beneficiary Statistics, ssa.gov Council for Disability Awareness, Long-Term Disability Claims Review, 2011

If You Or Your Spouse Become Too Sick Or Injured To Work For Even 3 Months, What Do

You Stand To Lose??

Current Standard Of Living Future Earnings Your Home Retirement Savings And Other Assets Insurability Credit Rating Peace Of Mind

Protect THE Most Important Thing…Your Ability To Earn!!!!

Aflac Individual Disability And Family Disability Programs Give You:

Financial SecurityStable Rates- They NEVER Go Up!Guaranteed RenewabilityPortabilityPeace Of Mind